345 Jefferson St, Waterloo, WI 53594 Property Records

Jefferson County property record for 345 Jefferson St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,388 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0822-078`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0822-078`

Exterior

Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Street Address	345 JEFFERSON ST
City	WATERLOO
State	WI
Zip	53594-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4,BLK 1 & 16.5FT SQ IN SE/C OF OUT LOT 18, MRS T FISHER'S ADD.
Legal Range	13E
Legal Township	08N
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	FISCHER ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2038
Census Tract	100400

Owner

345 Jefferson St is owned and occupied by two individuals who acquired it in March 2017.

Source: Jefferson County records, as of February 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	345 JEFFERSON ST, WATERLOO, WI 53594-1417
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
Aug 3, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Mar 6, 2017	Quit Claim Deed, Transfer NATIONS TITLE AGENCY/MN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 6, 2017
Transfer Doc	0001379845
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	345 JEFFERSON ST, WATERLOO, WI 53594-1417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001429007
Date	Aug 3, 2020
Instrument	1429007

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	345 JEFFERSON ST, WATERLOO, WI 53594-1417
Document Number	0001380378
Instrument Date	Mar 16, 2017
Transaction Type	Mortgage
Record Updated	Apr 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	345 JEFFERSON ST WATERLOO WI 535941417, WATERLOO, WI 53594-1417

Mortgage

Document Number	0001380378
Date	Mar 21, 2017
Instrument	1380378

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON WI
Recording Date	Mar 6, 2017
Property Address	345 JEFFERSON ST, WATERLOO, WI 53594-1417
Document Number	0001379845
Instrument Date	Mar 2, 2017
Instrument	1379845
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	NATIONS TITLE AGENCY/MN INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Tax Assessment & Valuation

The 2025 property tax bill for 345 Jefferson St was $4,388 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,388.00 Homeowner's exemption	$239,500 Land $42,000 Building $197,500	$264,300
2023	$3,605.00 Homeowner's exemption	$179,900 Land $35,000 Building $144,900

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

Flood

FEMA maps place 345 Jefferson St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

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 345 Jefferson 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	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 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 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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