445 S Monroe St, Waterloo, WI 53594 Property Records

Jefferson County property record for 445 S Monroe St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2020)
Tax Bill	$4,716 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0714-000`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0714-000`

Exterior

Lot Area	14,810 sqft (0.339 acres)

Location & Zoning

Street Address	445 S MONROE ST
City	WATERLOO
State	WI
Zip	53594-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 3, HOYT & SEEBER 1ST ADD
Legal Range	13E
Legal Township	08N
Legal Section	07
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Subdivision	HOYT & SEEBER 1ST ADD
Legal Block	3
Legal Lot Number	8
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1023
Census Tract	100400

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	445 S MONROE ST, WATERLOO, WI 53594-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage FARMERS & MERCHANTS STATE BANK
Oct 21, 2020	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Jan 28, 2013
Deed Document Number	1433646
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	445 S MONROE ST, WATERLOO, WI 53594-1434
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 S MONROE ST, WATERLOO, WI 53594-1434

Mortgage

Document Number	0001498818
Date	Sep 9, 2025
Instrument	1498818

Lender

Name	FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	WATERLOO, WI 53594

Agreement

Amount	Amount Recorded

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 21, 2020
Property Address	445 S MONROE ST, WATERLOO, WI 53594-1434
Document Number	0001433646
Instrument Date	Oct 16, 2020
Instrument	1433646
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
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	445 S MONROE ST, WATERLOO, WI 53594-1434

Mortgage

Document Number	0001433647
Date	Oct 21, 2020
Instrument	1433647

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,716.00 (+23.62%) Homeowner's exemption	$257,400 (+35.33%) Land $49,500 Building $207,900	$284,000
2023	$3,815.00 Homeowner's exemption	$190,200 Land $41,500 Building $148,700

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	11 (1979–2008)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 10 claims

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	Low lower than 96% of the US · lower than 90% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 316 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 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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