3209 Gerald St, Madison, WI 53704 Property Records

Dane County property record for 3209 Gerald St, Madison, WI 53704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,327 sqft · built 1976
Lot Size	0.192 acres (8,377 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (May 2018)
Tax Bill	$5,609 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0810-214-0414-0`

Property Details

APN / Parcel Number

Primary APN	`0810-214-0414-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	608 sqft
Finished Basement	247 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,377 sqft (0.192 acres)
Garage Type	Basement
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	138 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3209 GERALD ST
City	MADISON
State	WI
Zip	53704-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-C1
Legal Description	SANDBURG HEIGHTS, BLK 2, LOT 5
Legal Range	10
Legal Township	08
Legal Section	21
Legal Subdivision	SANDBURG HEIGHTS
Legal Block	2
Legal Lot Number	5
Jurisdiction	DANE WI
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3001
Census Tract	2602

Owner

3209 Gerald St is owned and occupied by an individual who bought it in May 2018.

Source: Dane County records, as of January 22, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3209 GERALD ST, MADISON, WI 53704-2746
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 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
May 2, 2018	Deed, Transfer · FHA Mortgage ASSOCIATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on File
Deed Sale	May 2, 2018 · Amount on File
Prior Sale	Sep 26, 2006 · Amount on File
Deed Document Number	5406318
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	3209 GERALD ST, MADISON, WI 53704-2746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005684630
Date	Jan 15, 2021
Instrument	5684630

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2041

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	3209 GERALD ST, MADISON, WI 53704-2746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005555746
Date	Jan 14, 2020
Instrument	5555746

Lender

Name	JFQ LENDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DANE WI
Recording Date	May 2, 2018
Property Address	3209 GERALD ST, MADISON, WI 53704-2746
Document Number	0005406318
Instrument Date	Apr 30, 2018
Instrument	5406318
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	$684.00
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	3209 GERALD ST, MADISON, WI 53704-2746

Mortgage

Document Number	0005406319
Date	May 2, 2018
Instrument	5406319

Lender

Name	ASSOCIATED BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Dane County assessment roll, as of January 1, 2025

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		$336,800 Land $76,700 Building $260,100
2024	$5,609.00		$336,800
2023		$309,000 Land $70,400 Building $238,600
2022	$5,104.00

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

Flood

FEMA maps place 3209 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 3209 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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