131 Mill St, Waterloo, WI 53594 Property Records

Jefferson County property record for 131 Mill St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (May 2021)
Tax Bill	$5,671 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0533-028`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0533-028`

Exterior

Lot Area	8,276 sqft (0.189 acres)

Location & Zoning

Street Address	131 MILL ST
City	WATERLOO
State	WI
Zip	53594-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT 53, ASR PLT
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Lot Number	53
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2011
Census Tract	100400

Owner

Source: Jefferson County records, as of February 16, 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
Co-owner	Co-owner on Record
Mailing Address	W8244 ELM POINT RD, LAKE MILLS, WI 53551-9781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MECHANICS SAVINGS BANK
Mar 2, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Mar 2, 2021
Deed Document Number	1444902
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	131 MILL ST, WATERLOO, WI 53594-1250
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001468645
Date	Oct 27, 2022
Instrument	1468645

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	131 MILL ST, WATERLOO, WI 53594-1250
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001460903
Date	Apr 5, 2022
Instrument	1460903

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	May 7, 2021
Property Address	131 MILL ST, WATERLOO, WI 53594-1250
Document Number	0001444902
Map Reference	DOC 1428000
Instrument Date	May 7, 2021
Instrument	1444902
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W8244 ELM POINT RD, LAKE MILLS, WI 53551-9781

Mortgage

Document Number	0001444903
Date	May 7, 2021
Instrument	1444903

Lender

Name	FARMERS & MECHANICS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WI
Recording Date	Mar 2, 2021
Property Address	131 MILL ST, WATERLOO, WI 53594-1250
Document Number	0001441132
Map Reference	DOC 1428000
Instrument Date	Feb 26, 2021
Instrument	1441132
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	N9332 COUNTY ROAD G, WATERTOWN, WI 53094-9126

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	$5,671.00 (+48.96%) Homeowner's exemption	$309,500 (+63.07%) Land $36,500 Building $273,000	$341,500
2023	$3,807.00 Homeowner's exemption	$189,800 Land $30,000 Building $159,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Not rated no burnable land within 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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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