132 Adams St, Waterloo, WI 53594 Property Records

Jefferson County property record for 132 Adams St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Oct 2021)
Tax Bill	$3,924 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0821-022`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0821-022`

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Location & Zoning

Street Address	132 ADAMS ST
City	WATERLOO
State	WI
Zip	53594-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 24, ORIG PLT
Legal Range	13E
Legal Township	08N
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Subdivision	CITY/WATERLOO
Legal Block	24
Legal Lot Number	3
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
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	132 ADAMS ST, WATERLOO, WI 53594-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Mar 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
May 4, 2020	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING INC
Oct 3, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on Record
Deed Sale	Oct 8, 2021 · Amount on Record
Prior Sale	Oct 3, 2017
Deed Document Number	1453219
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 8, 2021
Property Address	132 ADAMS ST, WATERLOO, WI 53594-1502
Document Number	0001453219
Instrument Date	Oct 1, 2021
Instrument	1453219
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 ADAMS ST, WATERLOO, WI 53594-1502

Mortgage

Document Number	0001453220
Date	Oct 8, 2021
Instrument	1453220

Lender

Name	AXIA FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	132 ADAMS ST, WATERLOO, WI 53594-1502
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001442582
Date	Mar 26, 2021
Instrument	1442582

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	132 ADAMS ST, WATERLOO, WI 53594-1502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001423840
Date	May 4, 2020
Instrument	1423840

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 3, 2017
Property Address	132 ADAMS ST, WATERLOO, WI 53594-1502
Document Number	0001388588
Instrument Date	Sep 29, 2017
Instrument	1388588
Transaction Type	Transfer
Record Updated	Oct 27, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 ADAMS ST WATERLOO WI 535941502, WATERLOO, WI 53594-1502

Mortgage

Document Number	1388589
Date	Oct 3, 2017
Instrument	1388589

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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	$3,924.00 (+27.98%) Homeowner's exemption	$214,200 (+39.54%) Land $37,500 Building $176,700	$236,400
2023	$3,066.00 Homeowner's exemption	$153,500 Land $31,500 Building $122,000

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 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 0.01% 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 166 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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