409 E School Rd, Cottage Grove, WI 53527 Property Records

Dane County property record for 409 E School Rd, Cottage Grove, WI 53527

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$668,000 (Sep 2025)
Tax Bill	$13,149 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0711-044-0615-1`

Property Details

APN / Parcel Number

Primary APN	`0711-044-0615-1`

Exterior

Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Street Address	409 E SCHOOL RD
City	COTTAGE GROVE
State	WI
Zip	53527-8948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUARRY RIDGE ESTATES FIRST ADDN LOT 95
Legal Range	11
Legal Township	07
Legal Section	04
Legal Subdivision	QUARRY RIDGE ESTATES FIRST ADD
Legal Block	6
Legal Lot Number	95
Jurisdiction	DANE WI
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1042
Census Tract	12004

Owner

Source: Dane County records, as of January 22, 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	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF DEERFIELD
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF DEERFIELD
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE CORP
Sep 7, 2021	Warranty Deed, Transfer KNIGHT BARRY TITLE
Mar 19, 2021	Warranty Deed, Transfer · Commercial Mortgage BANK OF DEERFIELD
Apr 12, 2018	Deed with Mortgage, Transfer QUARRY RIDGE ESTATES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Jan 6, 2023 · Amount on Record
Deed Document Number	6053068
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005747925
Date	Jul 7, 2021
Instrument	5747925

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005812230
Date	Feb 14, 2022
Instrument	5812230

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Sep 24, 2025
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Document Number	0006053068
Instrument Date	Sep 23, 2025
Instrument	6053068
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	KNIGHT BARRY TITLE SERVICES LLC, KNIGHT BARRY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,004.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948

Mortgage

Document Number	0006053069
Date	Sep 24, 2025
Instrument	6053069

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Jan 6, 2023
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Document Number	0005881267
Instrument Date	Dec 15, 2022
Instrument	5881267
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948

Mortgage

Document Number	0005881268
Date	Jan 6, 2023
Instrument	5881268

Lender

Name	WINTRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Sep 7, 2021
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Document Number	0005767851
Instrument Date	Aug 26, 2021
Instrument	5767851
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Tax	$299.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1568 HAMMOND RD, EDGERTON, WI 53534-9555

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DANE WI
Recording Date	Mar 19, 2021
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Document Number	0005707066
Instrument Date	Mar 16, 2021
Instrument	5707066
Transaction Type	Transfer
Record Updated	Oct 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 VILAS HOPE RD, COTTAGE GROVE, WI 53527-9556
Investor	Possibly a Property Investor

Mortgage

Document Number	0005707067
Date	Mar 19, 2021
Instrument	5707067

Lender

Name	BANK OF DEERFIELD

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0005707068
Date	Mar 19, 2021
Instrument	5707068

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	DANE WI
Recording Date	Apr 12, 2018
Property Address	409 E SCHOOL RD, COTTAGE GROVE, WI 53527-8948
Instrument Date	Apr 11, 2018
Instrument	5401417
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0005401417
Date	Apr 12, 2018
Instrument	5401417

Lender

Name	QUARRY RIDGE ESTATES LLC
Address	4607 OAK SPRINGS CIR, DEFOREST, WI 53532-1713

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 11, 2023

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Cottage Grove Village
Unified School District	Monona Grove School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,149.00 (+11.14%)	$519,000 (-) Land $82,000 Building $437,000	$739,100 (+9.61%)
2024	$11,831.00 (-1.96%)	$519,000 (-) Land $82,000 Building $437,000	$674,300 (+6.02%)
2023		$519,000 Land $82,000 Building $437,000	$636,000
2022	$12,067.00

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 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

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	Low lower than 94% of the US · lower than 83% of Wisconsin
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	COTTAGE GROVE WATERWORKS serves 9,345 people · EPA ID WI1130218
Water Source	Groundwater
Last State Inspection	Jan 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
UpNet WI Fixed Wireless	100 / 30
LiteWire Fixed Wireless	100 / 25
Bertram Communications Fixed Wireless	100 / 20

May also be available: Four Lakes Broadband, T-Mobile.

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