1239 Oak St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1239 Oak St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.289 acres (12,589 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Apr 2020)
Tax Bill	$5,240 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0544-026`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0544-026`

Exterior

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

Location & Zoning

Street Address	1239 OAK ST
City	WATERLOO
State	WI
Zip	53594-1255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26, 1ST ADD TO SUNSET GARDENS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	ADD TO SUNSET GARDENS
Legal Lot Number	1,26
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	100400

Owner

Source: Jefferson County records, as of February 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1239 OAK ST, WATERLOO, WI 53594-1255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Jan 15, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
May 13, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2020 · Amount on File
Deed Sale	Apr 22, 2020 · Amount on File
Prior Sale	Jul 19, 2013 · Amount on File
Deed Document Number	1423251
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 22, 2020
Property Address	1239 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001423251
Instrument Date	Apr 20, 2020
Instrument	1423251
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1239 OAK ST, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001423252
Date	Apr 22, 2020
Instrument	1423252

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1239 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001419453
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1239 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001419453
Date	Jan 20, 2020
Instrument	1419453

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1239 OAK ST, WATERLOO, WI 53594-1255
Document Number	0001409070
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1239 OAK ST WATERLOO WI 535941255, WATERLOO, WI 53594-1255

Mortgage

Document Number	0001409070
Date	May 17, 2019
Instrument	1409070

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 16, 2034

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

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	$5,240.00 (+14.04%) Homeowner's exemption	$286,000 (+25.22%) Land $49,000 Building $237,000	$315,600
2023	$4,595.00 Homeowner's exemption	$228,400 Land $40,000 Building $188,400

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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