405 E Division St, Watertown, WI 53094 Property Records

Jefferson County property record for 405 E Division St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.102 acres (4,443 sqft)
Owner	Individual Name on Record
Last Sale	$273,000 (Dec 2025)
Tax Bill	$4,572 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-006`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-006`

Exterior

Lot Area	4,443 sqft (0.102 acres)

Location & Zoning

Street Address	405 E DIVISION ST
City	WATERTOWN
State	WI
Zip	53094-3823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE/C LOT 4, BLK 58, OPES N89DG40'W 50.53FT, S08DG39'E 86.76FT, S85DG37'E 50.14FT, N08DG39'W 90.34FT TO POB.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Subdivision	THE VILLAGE NOW CITY OF WATERTOWN
Legal Block	58
Legal Lot Number	4
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	1
Census Block	1001
Census Tract	100200

Owner

Source: Jefferson County records, as of April 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWESTON BANK
May 30, 2017	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	20251501690
Prior Transfer Date	Feb 5, 2008
Prior Transfer Doc	0001234854
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Dec 1, 2025
Property Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001501690
Instrument Date	Nov 25, 2025
Instrument	1501690
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	FRONTIER TITLE AND CLOSING SERVICES, FRONTIER TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001501691
Date	Dec 1, 2025
Instrument	1501691

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001428989
Date	Aug 3, 2020
Instrument	1428989

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 26, 2022
Property Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001461762
Instrument Date	Apr 25, 2022
Instrument	1461762
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001461763
Date	Apr 26, 2022
Instrument	1461763

Lender

Name	MIDWESTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	May 30, 2017
Property Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001383152
Instrument Date	May 15, 2017
Instrument	1383152
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E DIVISION ST, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001383153
Date	May 30, 2017
Instrument	1383153

Lender

Name	PREMIER BANK
Type	Bank
Address	FORT ATKINSON, WI 53538

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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	$4,572.00 (+10.12%) Homeowner's exemption	$278,600 (-) Land $32,000 Building $246,600	$279,200 (-)
2024	$4,152.00 (+13.44%)	$278,600 (+34.72%) Land $32,000 Building $246,600	$279,200
2023	$3,660.00	$206,800 Land $26,700 Building $180,100

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

Flood

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

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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