1648 Charles St, Racine, WI 53404 Property Records

Racine County property record for 1648 Charles St, Racine, WI 53404

Property Summary

Property Type	Single Family Home
Details	1,943 sqft · built 1904
Lot Size	0.096 acres (4,182 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Jul 2017)
Tax Bill	$2,813 (2025)
Deeds & Mortgages	Dec 2024 Second Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`276 000019047000`

Property Details

APN / Parcel Number

Primary APN	`276 000019047000`

Interior

Stories	2 Stories
Building Area	1,943 sqft Total Area

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	4,182 sqft (0.096 acres)
Lot Dimensions	105 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1648 CHARLES ST
City	RACINE
State	WI
Zip	53404-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLK 4 WOLFF S ADD TO RACINE LOT 5
Legal Subdivision	WOLFF'S
Legal Block	4
Legal Lot Number	5
Jurisdiction	RACINE WI
Township / Civil Division	RACINE
Census Block Group	3
Census Block	3017
Census Tract	1302

Owner

1648 Charles St is owned and occupied by an individual who bought it in July 2017.

Source: Racine County records, as of March 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1648 CHARLES ST, RACINE, WI 53404-2715
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EDUCATORS CU
Apr 8, 2022	Personal Representative Deed, Transfer
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Jun 26, 2017	Deed of Trust, Mortgage · Line of Credit EDUCATORS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2017 · Amount on File
Deed Sale	Jul 19, 2017 · Amount on File
Deed Document Number	20172470031
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RACINE WI
Property Address	1648 CHARLES ST, RACINE, WI 53404-2715
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002690746
Date	Dec 5, 2024
Instrument	2690746

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	STURTEVANT, WI 53177

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 8, 2034

April 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	RACINE WI
Recording Date	Apr 8, 2022
Property Address	1648 CHARLES ST, RACINE, WI 53404-2715
Document Number	0002625781
Instrument Date	Jan 14, 2022
Instrument	2625781
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3725 23RD ST, KENOSHA, WI 53144-1478

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RACINE WI
Property Address	1648 CHARLES ST, RACINE, WI 53404-2715
Document Number	0002534106
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1648 CHARLES ST RACINE WI 534042715, RACINE, WI 53404-2715

Mortgage

Document Number	0002534106
Date	Oct 22, 2019
Instrument	2534106

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	730 WASHINGTON AVE, RACINE, WI 53403-1123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RACINE WI
Property Address	1648 CHARLES ST, RACINE, WI 53404-2715
Document Number	0002470257
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1648 CHARLES ST RACINE WI 534042715, RACINE, WI 53404-2715

Mortgage

Document Number	0002470257
Date	Jul 24, 2017
Instrument	2470257

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	RACINE, WI 53406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	384 Months
Due	Jul 23, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1648 Charles St was $2,813 with a homeowner's exemption.

Source: Racine County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,813.00 Homeowner's exemption	$98,900 Land $7,700 Building $91,200	$105,601 Land $8,222 Building $97,379
2023	$1,915.00 (+8.07%) Homeowner's exemption	$81,000 (+9.46%) Land $7,700 Building $73,300	$89,706 (+9.46%) Land $8,527 Building $81,179
2022	$1,772.00 Homeowner's exemption	$74,000 Land $7,700 Building $66,300	$81,953 Land $8,527 Building $73,426

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

Flood

FEMA maps place 1648 Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 16, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1648 Charles St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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	RACINE WATERWORKS serves 105,100 people · EPA ID WI2520062
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 583 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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