Dane County property record for 409 Oak St, Mount Horeb, WI 53572
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,406 sqft · built 1900 |
| Lot Size | 0.089 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $337,500 (Dec 2024) |
| Tax Bill | $4,020 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Dec 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0606-123-0129-4 |
| Primary APN | 0606-123-0129-4 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,406 sqft Living Area |
| 1st Floor Area | 776 sqft |
| 2nd Floor Area | 630 sqft |
| Year Built | Built 1900 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 3,920 sqft (0.089 acres) |
| Garage Type | Detached |
| Garage Area | 162 sqft |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 409 OAK ST |
|---|---|
| City | MOUNT HOREB |
| State | WI |
| Zip | 53572-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASSESSORS PLAT MT HOREB OUTLOT 79 TOG W/JT DRIVEWAY AGRMT IN R19651/9 |
| Legal Range | 06 |
| Legal Township | 06 |
| Legal Section | 12 |
| Legal Subdivision | ASSESSORS MOUNT HOREB RE |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | DANE WI |
| Township / Civil Division | MOUNT HOREB |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 12800 |
409 Oak St is owned and occupied by an individual who acquired it in November 2025.
Source: Dane County records, as of January 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Line of Credit SUMMIT CU |
| Dec 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU |
| Nov 10, 2025 | Intrafamily Transfer, Transfer |
| Mar 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK |
| Nov 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage THOMPSON KANE & CO LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on File |
| Deed Sale | Dec 23, 2024 · Amount on File |
| Prior Sale | Dec 23, 2024 · Amount on File |
| Deed Document Number | 0006003297 |
| Last Transfer Date | Nov 10, 2025 |
| Transfer Doc | 0006062552 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0006069765 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 6069765 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Address | COTTAGE GROVE, WI 53527 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 14, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Document Number | 0006068210 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 6068210 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Address | COTTAGE GROVE, WI 53527 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Nov 10, 2025 |
| Property Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Document Number | 0006062552 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 6062552 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005475931 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 5475931 |
| Name | FARMERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Nov 18, 2019 |
| Property Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Document Number | 0005541006 |
| Instrument Date | Nov 7, 2019 |
| Instrument | 5541006 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $681.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 OAK ST, MOUNT HOREB, WI 53572-1743 |
| Investor | Possibly a Property Investor |
| Document Number | 0005541007 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 5541007 |
| Name | THOMPSON KANE & CO LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 409 Oak St was $4,020 with a homeowner's exemption, up 12.8% from the year before.
Source: Dane County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Dane County |
| Municipality | Mount Horeb Village |
| Unified School District | Mount Horeb Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,020.00 (+12.83%) Homeowner's exemption | $242,400 (-) Land $35,700 Building $206,700 | $270,500 (+6.87%) |
| 2024 | $3,563.00 Homeowner's exemption | $242,400 (-) Land $35,700 Building $206,700 | $253,100 |
| 2023 | $242,400 Land $35,700 Building $206,700 | ||
| 2022 | $3,391.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 409 Oak St is low, with 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 80% of the US · above 57% of Wisconsin |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MT HOREB WATERWORKS serves 7,756 people · EPA ID WI1130247 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MHTC Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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