Ozaukee County property record for 445 Michael St, Belgium, WI 53004
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · built 2005 |
| Lot Size | 0.43 acres (18,774 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Jan 2026) |
| Tax Bill | $6,080 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Aug 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-102-06-060.00 |
| Primary APN | 18-102-06-060.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 18,774 sqft (0.43 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 180887 |
|---|---|
| Street Address | 445 MICHAEL ST |
| City | BELGIUM |
| State | WI |
| Zip | 53004-9690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1127078 LOT 6 BLK 6 MAPLE LAWN PHASE FOUR |
| Legal Range | 22E |
| Legal Township | 12N |
| Legal Section | 22 |
| Legal Subdivision | MAPLE LAWN PH 4 |
| Legal Block | 6 |
| Legal Lot Number | 6 |
| Jurisdiction | OZAUKEE WI |
| Township / Civil Division | BELGIUM |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 610102 |
445 Michael St is owned and occupied by an individual who bought it in January 2026.
Source: Ozaukee County records, as of February 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| 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 |
|---|---|
| Jan 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage PORT WASHINGTON STATE BANK |
| Aug 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK |
| Jan 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK |
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK |
| Oct 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on File |
| Deed Sale | Jan 23, 2026 · Amount on File |
| Prior Sale | Oct 18, 2021 · Amount on File |
| Deed Document Number | 1179716 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Recording Date | Jan 23, 2026 |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Document Number | 0001179716 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 1179716 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Investor | Possibly a Property Investor |
| Document Number | 0001179717 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 1179717 |
| Name | PORT WASHINGTON STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001053566 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 1053566 |
| Name | ASSOCIATED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001073292 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | 1073292 |
| Name | ASSOCIATED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001091901 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 1091901 |
| Name | ASSOCIATED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001090537 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | 1090537 |
| Name | ASSOCIATED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OZAUKEE WI |
| Recording Date | Oct 18, 2021 |
| Property Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Document Number | 0001127078 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 1127078 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2021 |
| Title Company | KNIGHT BARRY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 MICHAEL ST, BELGIUM, WI 53004-9690 |
| Document Number | 0001127079 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 1127079 |
| Name | FIRST NATIONAL BANK & TRUST CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 445 Michael St was $6,080 with a homeowner's exemption.
Source: Ozaukee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| Municipality | Belgium Village |
| County | Ozaukee County |
| Unified School District | Cedar Grove-Belgium Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,080.00 Homeowner's exemption | $452,700 Land $34,300 Building $418,400 | $517,200 |
| 2023 | $5,172.00 Homeowner's exemption | $288,600 Land $24,500 Building $264,100 | $417,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Michael St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective August 7, 2024 · 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 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 7 (1985–2009) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Mar 2009 · 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.
The area around 445 Michael St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BELGIUM WATERWORKS serves 2,493 people · EPA ID WI2460107 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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