415 E Division St, Watertown, WI 53094 Property Records

Jefferson County property record for 415 E Division St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.128 acres (5,619 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2024)
Tax Bill	$2,248 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-003`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-003`

Exterior

Lot Area	5,619 sqft (0.128 acres)

Location & Zoning

Street Address	415 E DIVISION ST
City	WATERTOWN
State	WI
Zip	53094-3823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 OF N1/2 LOT 2, BLK 58, OPES.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	ORIGINAL CITY/WATERTOWN
Legal Block	58
Legal Lot Number	2
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	1
Census Block	1001
Census Tract	100200

Owner

Source: Jefferson County records, as of February 16, 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
Co-owner	Co-owner on Record
Mailing Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Warranty Deed, Transfer · Conventional Mortgage BANK FIVE NINE
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Sep 4, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK FINANCIAL CENTRE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Sep 4, 2018 · Amount on Record
Deed Document Number	1482579
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Mar 27, 2024
Property Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001482579
Instrument Date	Mar 21, 2024
Instrument	1482579
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001482580
Date	Mar 27, 2024
Instrument	1482580

Lender

Name	BANK FIVE NINE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001424374
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 E DIVISION ST WATERTOWN WI 530943823, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001424374
Date	May 14, 2020
Instrument	1424374

Lender

Name	SUMMIT CU
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Sep 4, 2018
Property Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823
Document Number	0001401012
Instrument Date	Aug 24, 2018
Instrument	1401012
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E DIVISION ST, WATERTOWN, WI 53094-3823

Mortgage

Document Number	0001401013
Date	Sep 4, 2018
Instrument	1401013

Lender

Name	FIRST BANK FINANCIAL CENTRE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

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	$2,248.00 (+18.01%)	$137,000 (+25.46%) Land $37,900 Building $99,100	$137,300
2023	$1,905.00	$109,200 Land $31,900 Building $77,300

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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