1233 Oak St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1233 Oak St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Oct 2025)
Tax Bill	$3,956 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0544-025`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0544-025`

Exterior

Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide

Location & Zoning

Street Address	1233 OAK ST
City	WATERLOO
State	WI
Zip	53594-1255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25, 1ST ADD TO SUNSET GARDENS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Subdivision	SUNSET GARDENS ADD 01
Legal Lot Number	1,25
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	100400

Owner

Source: Jefferson County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1233 OAK ST, WATERLOO, WI 53594-1255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Personal Representative Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 8, 2020	Deed of Trust, Mortgage FARMERS & MERCHANTS ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Deed Document Number	20251499747
Record Updated	Oct 29, 2026

October 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 6, 2025
Property Address	1233 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001499747
Instrument Date	Sep 18, 2025
Instrument	1499747
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$899.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1233 OAK ST, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001499748
Date	Oct 6, 2025
Instrument	1499748

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1233 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001431545
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1233 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001431545
Date	Sep 15, 2020
Instrument	1431545

Lender

Name	FARMERS & MERCHANTS ST BK
Type	Bank
Address	WATERLOO, WI 53594

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2050

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of February 18, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,956.00 (+14.37%) Homeowner's exemption	$215,900 (-) Land $49,000 Building $166,900	$238,200 (+6.48%)
2024	$3,459.00 (+4.22%) Homeowner's exemption	$215,900 (+30.14%) Land $49,000 Building $166,900	$223,700
2023	$3,319.00 Homeowner's exemption	$165,900 Land $40,000 Building $125,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 88% of Wisconsin
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20

May also be available: Netwurx.

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