Dane County property record for 445 Charles Ln, Madison, WI 53711
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,994 sqft · built 1991 |
| Lot Size | 0.201 acres (8,764 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $11,119 (2024) |
| Deeds & Mortgages | Oct 2023 Mortgage Aug 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0709-292-1726-8 |
| Primary APN | 0709-292-1726-8 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,994 sqft Living Area |
| 1st Floor Area | 956 sqft |
| 2nd Floor Area | 988 sqft |
| Basement Area | 956 sqft |
| Finished Basement | 50 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Modern |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 8,764 sqft (0.201 acres) |
| Lot Dimensions | 136 ft deep x 64 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Driveway | Driveway |
| Driveway Area | 100 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 445 CHARLES LN |
|---|---|
| City | MADISON |
| State | WI |
| Zip | 53711-1309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR-C1 |
| Legal Description | CERTIFIED SURVEY MAP NO 5447, RECORDED IN DANE COUNTY REGISTER OF DEEDS IN VOL 2 4 PAGE 419 OF CERTIFIED SURVEYS. LOT 1 |
| Legal Range | 09 |
| Legal Township | 07 |
| Legal Section | 29 |
| Legal Subdivision | CERTIFIED SURVEY MAP NO 5447, RECORDED |
| Legal Lot Number | 1 |
| Jurisdiction | DANE WI |
| Township / Civil Division | MADISON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 401 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the University Hill Farms Historic District listed 2015 · 820 contributing resources · NRIS 15000402 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
445 Charles Ln is owned and occupied by an individual who acquired it in October 2023.
Source: Dane County records, as of January 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 445 CHARLES LN, MADISON, WI 53711-1309 |
| 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 |
|---|---|
| Oct 6, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage BELL BANK |
| Aug 23, 2017 | Deed of Trust, Mortgage SUMMIT CU |
| Aug 23, 2017 | Deed of Trust, Mortgage · Line of Credit SUMMIT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2023 |
| Transfer Doc | 0005927738 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Oct 6, 2023 |
| Property Address | 445 CHARLES LN, MADISON, WI 53711-1309 |
| Document Number | 0005927738 |
| Map Reference | DOC 2061404 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 5927738 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 CHARLES LN, MADISON, WI 53711-1309 |
| Document Number | 0005927739 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 5927739 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 445 CHARLES LN, MADISON, WI 53711-1309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005351244 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 5351244 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53718 |
| Amount | Amount on Record |
|---|---|
| Term | 145 Months |
| Due | Sep 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 445 CHARLES LN, MADISON, WI 53711-1309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005351246 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 5351246 |
| Name | SUMMIT CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Dane County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Dane County |
| Municipality | Madison City |
| Unified School District | Madison Metropolitan School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $648,000 Land $128,500 Building $519,500 | ||
| 2024 | $11,119.00 | $648,000 | |
| 2023 | $617,100 (+16%) Land $122,400 Building $494,700 | ||
| 2022 | $10,178.00 (-1.65%) | $532,000 Land $105,500 Building $426,500 | |
| 2021 | $10,349.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Charles Ln in Zone X, an area of minimal flood risk.
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 | 21 units insured incl. 20 condo units |
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 risk around 445 Charles Ln is low, with less than 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 97% of the US · lower than 92% of Wisconsin |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | MADISON WATER UTILITY serves 272,000 people · EPA ID WI1130224 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 522 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| LiteWire Fixed Wireless | 100 / 25 |
| T-Mobile Fixed Wireless | 100 / 20 |
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