3105 Gerald St, Madison, WI 53704 Property Records

Dane County property record for 3105 Gerald St, Madison, WI 53704

Property Summary

Property Type	Duplex
Details	3 bd · 1 ba · 1,326 sqft · built 1976
Lot Size	0.191 acres (8,324 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jun 2026)
Tax Bill	$5,927 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0810-214-0418-2`

Property Details

APN / Parcel Number

Primary APN	`0810-214-0418-2`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,326 sqft Living Area
Gross Area	2,228 sqft
1st Floor Area	1,080 sqft
Basement Area	1,008 sqft
Finished Basement	246 sqft
Unfinished Basement	762 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,324 sqft (0.191 acres)
View / Lot	Traffic
Garage Type	Basement
Driveway	Concrete Driveway
Driveway Area	196 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	140 sqft
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3105 GERALD ST
City	MADISON
State	WI
Zip	53704-2744
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR-C1
Legal Description	SANDBURG HEIGHTS, BLK 2, LOT 9.
Legal Range	10E
Legal Township	08N
Legal Section	21
Legal Quarter	4
Legal Subdivision	SANDBURG HEIGHTS
Legal Block	2
Legal Lot Number	9
Jurisdiction	DANE WI
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3001
Census Tract	2602

Owner

3105 Gerald St, a duplex, is owned and occupied by an individual who bought it in June 2026.

Source: Dane County records, as of June 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3105 GERALD ST, MADISON, WI 53704-2744
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
Jan 5, 2023	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Mar 20, 2024	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
Jul 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK FIVE NINE
Apr 4, 2017	Guardian's Deed, Transfer · Conventional Mortgage WISCONSIN HOUSING AND ECONOMIC DEVELOPM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on File
Deed Sale	Jun 3, 2026 · Amount on File
Prior Sale	Mar 20, 2024 · Amount on File
Deed Document Number	20266103360
Prior Transfer Date	Jul 14, 2021
Prior Transfer Doc	0005752846
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	3105 GERALD ST, MADISON, WI 53704-2744
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005881079
Date	Jan 5, 2023
Instrument	5881079

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2053

Interest

Rate Type	Fixed Rate

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Jun 3, 2026
Property Address	3105 GERALD ST, MADISON, WI 53704-2744
Document Number	0006103360
Instrument Date	May 18, 2026
Instrument	20266103360
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115,140.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 GERALD ST, MADISON, WI 53704-2744

Mortgage

Document Number	0006103361,
Date	Jun 3, 2026
Instrument	20266103361

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Mar 20, 2024
Property Address	3105 GERALD ST, MADISON, WI 53704-2744
Document Number	0005952121
Instrument Date	Mar 1, 2024
Instrument	5952121
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,011.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 GERALD ST, MADISON, WI 53704-2744

Mortgage

Document Number	0005952122
Date	Mar 20, 2024
Instrument	5952122

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DANE WI
Recording Date	Jul 21, 2021
Property Address	3105 GERALD ST, MADISON, WI 53704-2744
Document Number	0005752846
Instrument Date	Jul 14, 2021
Instrument	5752846
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 GERALD ST, MADISON, WI 53704-2744

Mortgage

Document Number	0005752847
Date	Jul 21, 2021
Instrument	5752847

Lender

Name	BANK FIVE NINE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	DANE WI
Recording Date	Apr 4, 2017
Property Address	3105 GERALD ST, MADISON, WI 53704-2744
Document Number	0005316113
Instrument Date	Mar 31, 2017
Instrument	5316113
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 GERALD ST, MADISON, WI 53704-2744

Mortgage

Document Number	0005316115
Date	Apr 4, 2017
Instrument	5316115

Lender

Name	WISCONSIN HOUSING AND ECONOMIC DEVELOPM
Type	Non-Lending Institution
Address	MADISON, WI 53703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Mar 28, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 3105 Gerald St was $5,927, up 25% from the year before.

Source: Dane County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Madison City
Unified School District	Madison Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,927.00 (+25.04%) Homeowner's exemption	$337,300 Land $76,700 Building $260,600
2024	$4,740.00		$287,700 (+8.41%)
2023		$263,900 (+13.02%) Land $70,400 Building $193,500	$265,386
2022	$4,263.00 (+1.11%)	$233,500 Land $70,400 Building $163,100
2021	$4,216.00

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

Flood

FEMA maps place 3105 Gerald St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

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 3105 Gerald 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	MADISON WATER UTILITY serves 272,000 people · EPA ID WI1130224
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023) 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. 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
LiteWire Fixed Wireless	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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