401 E Main St, Watertown, WI 53094 Property Records

Jefferson County property record for 401 E Main St, Watertown, WI 53094

Property Summary

Property Type	Commercial
Lot Size	0.054 acres (2,352 sqft)
Owner	Company Name on File
Last Sale	$130,000 (May 2009)
Tax Bill	$3,377 (2025)
Deeds & Mortgages	May 2020 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-209`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-209`

Exterior

Lot Area	2,352 sqft (0.054 acres)
Lot Dimensions	100 ft deep x 23.3 ft wide

Location & Zoning

Street Address	401 E MAIN ST
City	WATERTOWN
State	WI
Zip	53094-3872
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	W23.33FT OF N 100FT OF LOT 3 BLK 8, OPES.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Subdivision	CITY/WATERTOWN
Legal Block	8
Legal Lot Number	3
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	1
Census Block	1014
Census Tract	100200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Main Street Commercial Historic District listed 1989 · 127 contributing resources · NRIS 89000483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

401 E Main St, a commercial property, is owned by a company that bought it in May 2009.

Source: Jefferson County records, as of March 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	401 E MAIN ST, WATERTOWN, WI 53094-3872
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Line of Credit BANK FIRST NAT'L
May 22, 2020	Deed of Trust, Mortgage BANKFIRST
Sep 6, 2019	Deed of Trust, Mortgage BANK OF LAKE MILLS
Oct 11, 2017	Deed of Trust, Mortgage BANK OF LAKE MILLS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2009 · Amount on File
Deed Sale	May 4, 2009 · Amount on File
Deed Document Number	20091257818
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	401 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001425398
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 S 7TH ST WATERTOWN WI 530944718, WATERTOWN, WI 53094-4718

Mortgage

Document Number	0001425398
Date	Jun 2, 2020
Instrument	1425398

Lender

Name	BANK FIRST NAT'L
Type	Bank
Address	WATERTOWN, WI 53094

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	401 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001425390
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 S 7TH ST WATERTOWN WI 530944718, WATERTOWN, WI 53094-4718

Mortgage

Document Number	0001425390
Date	Jun 2, 2020
Instrument	1425390

Lender

Name	BANKFIRST
Type	Bank
Address	WATERTOWN, WI 53094

Agreement

Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	401 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001414186
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 S 7TH ST WATERTOWN WI 530944718, WATERTOWN, WI 53094-4718

Mortgage

Document Number	0001414186
Date	Sep 12, 2019
Instrument	1414186

Lender

Name	BANK OF LAKE MILLS
Type	Bank
Address	LAKE MILLS, WI 53551

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	401 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001388962
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 9, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 S 7TH ST WATERTOWN WI 530944718, WATERTOWN, WI 53094-4718

Mortgage

Document Number	0001388962
Date	Oct 11, 2017
Instrument	1388962

Lender

Name	BANK OF LAKE MILLS
Type	Bank
Address	LAKE MILLS, WI 53551

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 401 E Main St was $3,377.

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	$3,377.00	$205,800 Land $27,000 Building $178,800	$206,200
2023	$2,585.00	$147,000 Land $27,000 Building $120,000

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

Flood

FEMA maps place 401 E Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jul 1982 · 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

The area around 401 E Main 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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