317 N 3rd St, Watertown, WI 53094 Property Records

Jefferson County property record for 317 N 3rd St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.083 acres (3,615 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Jun 2021)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-074`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-074`
Alternative APN	`29127590001000`

Exterior

Lot Area	3,615 sqft (0.083 acres)

Location & Zoning

Street Address	317 N 3RD ST
City	WATERTOWN
State	WI
Zip	53094-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 OF LOT 3, BLK 56, OPES.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Subdivision	THE VILLAGE NOW CITY OF WATERTOWN
Legal Block	56
Legal Lot Number	3
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	3
Census Block	3008
Census Tract	100200

Owner

317 N 3rd St is owned and occupied by an individual who bought it in June 2021.

Source: Jefferson County records, as of June 12, 2026

Owner of Record	Individual Name on File
Mailing Address	317 N 3RD ST, WATERTOWN, WI 53094-3722
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
Jun 1, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 4, 2021	Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Mar 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Jun 6, 2013 · Amount on File
Deed Document Number	20211446368
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Recording Date	Jun 1, 2026
Property Address	317 N 3RD ST, WATERTOWN, WI 53094-3722
Document Number	0001507921
Instrument Date	May 26, 2026
Instrument	20261507921
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 N 3RD ST, WATERTOWN, WI 53094-3722

Mortgage

Document Number	0001507921,
Date	Jun 1, 2026
Instrument	20261507921

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate	6.3%
Max Rate	-1%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jun 4, 2021
Property Address	317 N 3RD ST, WATERTOWN, WI 53094-3722
Document Number	0001446368
Instrument Date	Jun 2, 2021
Instrument	1446368
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 N 3RD ST, WATERTOWN, WI 53094-3722

Mortgage

Document Number	0001446369
Date	Jun 4, 2021
Instrument	1446369

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON WI
Recording Date	Mar 4, 2019
Property Address	317 N 3RD ST, WATERTOWN, WI 53094-3722
Document Number	0001406636
Instrument Date	Mar 1, 2019
Instrument	1406636
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Tax Assessment & Valuation

The 2025 property tax bill for 317 N 3rd St was $2,650.

Source: Jefferson County assessment roll, as of February 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,650.00	$161,500 Land $26,100 Building $135,400	$161,800
2023	$3,034.00	$131,000 Land $21,700 Building $109,300

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

Flood

FEMA maps place 317 N 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 5, 2020

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

The area around 317 N 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WATERTOWN WATERWORKS serves 23,945 people · EPA ID WI1280044
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	15 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 586 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
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Netwurx.

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