Dane County property record for 446 Charles Ln, Madison, WI 53711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,958 sqft · built 1954 |
| Lot Size | 0.231 acres (10,075 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,533 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0709-292-1627-8 |
| Primary APN | 0709-292-1627-8 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,958 sqft Living Area |
| 1st Floor Area | 1,028 sqft |
| 2nd Floor Area | 600 sqft |
| Basement Area | 760 sqft |
| Finished Basement | 330 sqft |
| Family Room | Family Room |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 10,075 sqft (0.231 acres) |
| Lot Dimensions | 138 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Driveway | Driveway |
| Driveway Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 170 sqft |
| Patio Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 446 CHARLES LN |
|---|---|
| City | MADISON |
| State | WI |
| Zip | 53711-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR-C1 |
| Legal Description | OAK PARK HEIGHTS N 1/2 OF E 1/2 OF LOT 23 |
| Legal Range | 09 |
| Legal Township | 07 |
| Legal Section | 29 |
| Legal Subdivision | OAK PARK HEIGHTS |
| Legal Lot Number | 23 |
| Jurisdiction | DANE WI |
| Township / Civil Division | MADISON |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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.
Source: Dane County records, as of January 22, 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 |
|---|---|
| Mailing Address | 446 CHARLES LN, MADISON, WI 53711-1310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME SAVINGS BANK FSB |
| Feb 23, 2018 | Deed of Trust, Mortgage · ARM HOME SAVINGS BANK FSB |
| May 31, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 31, 2017 |
| Transfer Doc | 0005329402 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 446 CHARLES LN, MADISON, WI 53711-1310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005638430 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 5638430 |
| Name | HOME SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 446 CHARLES LN, MADISON, WI 53711-1310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005391267 |
|---|---|
| Date | Feb 23, 2018 |
| Instrument | 5391267 |
| Name | HOME SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | May 31, 2017 |
| Property Address | 446 CHARLES LN, MADISON, WI 53711-1310 |
| Document Number | 0005329402 |
| Instrument Date | May 23, 2017 |
| Instrument | 5329402 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 CHARLES LN MADISON WI 537111310, MADISON, WI 53711-1310 |
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 | $614,900 (+20.33%) Land $156,600 Building $458,300 | ||
| 2024 | $10,533.00 (+25.92%) | $614,900 | |
| 2023 | $511,000 Land $133,500 Building $377,500 | ||
| 2022 | $8,365.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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