1320 Chestnut St, Waterloo, WI 53594 Property Records

Jefferson County property record for 1320 Chestnut St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jun 2022)
Tax Bill	$5,255 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0544-050`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0544-050`

Exterior

Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Street Address	1320 CHESTNUT ST
City	WATERLOO
State	WI
Zip	53594-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21, HERITAGE HILLS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	HERITAGE HILL
Legal Lot Number	21
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 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	1320 CHESTNUT ST, WATERLOO, WI 53594-1213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FORT COMMUNITY CU
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Jun 7, 2017	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Jun 7, 2017 · Amount on Record
Deed Document Number	1463234
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jun 1, 2022
Property Address	1320 CHESTNUT ST, WATERLOO, WI 53594-1213
Document Number	0001463234
Instrument Date	May 27, 2022
Instrument	1463234
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 CHESTNUT ST, WATERLOO, WI 53594-1213

Mortgage

Document Number	0001463235
Date	Jun 1, 2022
Instrument	1463235

Lender

Name	FORT COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	1320 CHESTNUT ST, WATERLOO, WI 53594-1213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001421905
Date	Mar 23, 2020
Instrument	1421905

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jun 7, 2017
Property Address	1320 CHESTNUT ST, WATERLOO, WI 53594-1213
Document Number	0001383544
Instrument Date	May 19, 2017
Instrument	1383544
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 CHESTNUT ST, WATERLOO, WI 53594-1213

Mortgage

Document Number	0001383545
Date	Jun 7, 2017
Instrument	1383545

Lender

Name	FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	WATERLOO, WI 53594

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 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	$5,255.00 (+28.89%) Homeowner's exemption	$286,800 (+41.28%) Land $49,500 Building $237,300	$316,500
2023	$4,077.00 Homeowner's exemption	$203,000 Land $40,500 Building $162,500

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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