Dane County property record for 3900 Terrace Cir, Deforest, WI 53532
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Mar 2024) |
| Tax Bill | $5,775 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0910-273-3490-4 |
| Primary APN | 0910-273-3490-4 |
|---|
| Lot Area | 22,216 sqft (0.51 acres) |
|---|
| Street Address | 3900 TERRACE CIR |
|---|---|
| City | DEFOREST |
| State | WI |
| Zip | 53532-2755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ETZ |
| Legal Description | TERRACE PARK, 2ND ADDN LOT 180 |
| Legal Range | 10E |
| Legal Township | 09N |
| Legal Section | 27 |
| Legal Subdivision | TERRACE PARK, 2ND ADDN |
| Legal Block | 34 |
| Legal Lot Number | 180 |
| Jurisdiction | DANE WI |
| Township / Civil Division | WINDSOR |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 13202 |
3900 Terrace Cir is owned and occupied by two individuals who bought it in March 2024.
Source: Dane County records, as of March 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Mar 18, 2024 | Warranty Deed, Transfer · Conventional Mortgage BMO BANK NA |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU |
| Jun 30, 2017 | Warranty Deed, Transfer · ARM SUMMIT CU |
| Apr 12, 2017 | Deed of Trust, Mortgage · Line of Credit SETTLERS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2024 · Amount on File |
| Deed Sale | Mar 18, 2024 · Amount on File |
| Prior Sale | Jun 30, 2017 · Amount on File |
| Deed Document Number | 20245951652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0006086376 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 6086376 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Aug 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Mar 18, 2024 |
| Property Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0005951652 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 5951652 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0005951653 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 5951653 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005641700 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 5641700 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Jun 30, 2017 |
| Property Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0005337673 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 5337673 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0005337674 |
|---|---|
| Date | Jun 30, 2017 |
| Instrument | 5337674 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53708 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 3900 TERRACE CIR, DEFOREST, WI 53532-2755 |
| Document Number | 0005320551 |
| Instrument Date | Apr 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3900 TERRACE CIR DEFOREST WI 535322755, DEFOREST, WI 53532-2755 |
| Document Number | 0005320551 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 5320551 |
| Name | SETTLERS BK |
|---|---|
| Type | Bank |
| Address | WINDSOR, WI 53598 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3900 Terrace Cir was $5,775.
Source: Dane County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Dane County |
| Municipality | Windsor Village |
| Unified School District | DeForest Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,775.00 Homeowner's exemption | $420,000 Land $110,700 Building $309,300 | $408,300 |
| 2023 | $332,600 (-) Land $90,000 Building $242,600 | $360,300 (+10.83%) | |
| 2022 | $5,337.00 Homeowner's exemption | $332,600 Land $90,000 Building $242,600 | $325,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3900 Terrace Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · 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 Policies | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
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 risk around 3900 Terrace Cir 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.
Source: FCC Broadband Data Collection, based on 200 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 |
| TDS Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| LiteWire Fixed Wireless | 100 / 25 |
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