415 E Main St, Watertown, WI 53094 Property Records

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

Property Summary

Property Type	Commercial
Lot Size	0.061 acres (2,657 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Aug 2025)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-202`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-202`

Exterior

Lot Area	2,657 sqft (0.061 acres)

Location & Zoning

Street Address	415 E MAIN ST
City	WATERTOWN
State	WI
Zip	53094-3872
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PAR A, CSM 1351-04-341, DOC 764750.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Subdivision	TENTH WARD
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

Source: Jefferson County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	608 HIGHLAND AVE, WATERTOWN, WI 53098-3005
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDEVELOPMENT AUTHORITY
Feb 4, 2022	Warranty Deed, Transfer
Jul 23, 2020	Deed, Transfer · Conventional Mortgage FORT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Feb 4, 2022 · Amount on Record
Deed Document Number	20251497709
Prior Transfer Date	Sep 12, 2013
Prior Transfer Doc	0000035222
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	415 E MAIN ST, WATERTOWN, WI 53094-3872
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001453087
Date	Oct 7, 2021
Instrument	1453087

Lender

Name	REDEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Feb 4, 2022
Property Address	415 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001458567
Map Reference	DOC 764750
Instrument Date	Feb 1, 2022
Instrument	1458567
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Tax	$465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 S 4TH ST, WATERTOWN, WI 53094-4526

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jul 23, 2020
Property Address	415 E MAIN ST, WATERTOWN, WI 53094-3872
Document Number	0001428399
Map Reference	DOC 764750
Instrument Date	Jul 18, 2020
Instrument	1428399
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
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 MAIN ST, WATERTOWN, WI 53094-3872

Mortgage

Document Number	0001428400
Date	Jul 23, 2020
Instrument	1428400

Lender

Name	FORT COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,921.00 (+26.89%)	$178,000 (+100.22%) Land $26,500 Building $151,500	$178,400
2023	$2,302.00	$88,900 Land $26,500 Building $62,400

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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