309 Houston St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 309 Houston St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,156 sqft · built 1936
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (May 2016)
Tax Bill	$3,472 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-21-14-240-04`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-21-14-240-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,156 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	924 sqft
Basement Area	1,232 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.245 acres)
Lot Dimensions	13.2 ft deep x 8.1 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Patio Area	39 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	309 HOUSTON ST
City	RIPON
State	WI
Zip	54971-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S21 T16N R14E NEWTON'S RESURVEY THE S 81' OF W 132' LOT 24 IN W 1/2 SE 1/4
Legal Range	14E
Legal Township	16N
Legal Section	21
Legal Subdivision	NEWTONS RESURVEY
Legal Lot Number	24
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	2
Census Block	2028
Census Tract	41500

Owner

309 Houston St is owned and occupied by two individuals who bought it in May 2016.

Source: Fond Du Lac County records, as of March 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	309 HOUSTON ST, RIPON, WI 54971-1540
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
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2016 · Amount on File
Deed Sale	May 27, 2016 · Amount on File
Prior Sale	Dec 2, 2013 · Amount on File
Deed Document Number	20161068832
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	309 HOUSTON ST, RIPON, WI 54971-1540
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 HOUSTON ST, RIPON, WI 54971-1540

Mortgage

Document Number	0001219494
Date	Feb 11, 2026
Instrument	1219494

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	309 HOUSTON ST, RIPON, WI 54971-1540
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1089973
Date	Sep 25, 2017
Instrument	1089973

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jul 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 309 Houston St was $3,472 with a homeowner's exemption.

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,472.00	$150,600 Land $20,500 Building $130,100	$232,277 Land $31,618 Building $200,659
2023	$3,360.00	$150,600 Land $20,500 Building $130,100	$176,927 Land $24,084 Building $152,843

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

Flood

FEMA maps place 309 Houston St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 19, 2024 · 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 Policies	1 in force

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

Wildfire risk around 309 Houston 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 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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 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 / 1,000
Bertram Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Bug Tussel Wireless, Verizon.

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