510 E Cady St, Watertown, WI 53094 Property Records

Jefferson County property record for 510 E Cady St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jul 2022)
Tax Bill	$3,476 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0412-053`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0412-053`

Exterior

Lot Area	2,701 sqft (0.062 acres)
Lot Dimensions	54 ft deep x 50 ft wide

Location & Zoning

Street Address	510 E CADY ST
City	WATERTOWN
State	WI
Zip	53094-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 OF S1/2 LOT 4, BLK 61, OPES.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	COLE BAILEY & COS
Legal Block	61
Legal Lot Number	4
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	1
Census Block	1003
Census Tract	100200

Owner

510 E Cady St is owned and occupied by an individual who bought it in July 2022.

Source: Jefferson County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	510 E CADY ST, WATERTOWN, WI 53094-3832
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Oct 15, 2018 · Amount on File
Deed Document Number	1465426
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jul 28, 2022
Property Address	510 E CADY ST, WATERTOWN, WI 53094-3832
Document Number	0001465426
Instrument Date	Jul 19, 2022
Instrument	1465426
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	NOT AVAILABLE, FOCUS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 E CADY ST, WATERTOWN, WI 53094-3832

Mortgage

Document Number	0001465427
Date	Jul 28, 2022
Instrument	1465427

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 15, 2018
Property Address	510 E CADY ST, WATERTOWN, WI 53094-3832
Document Number	0001402564
Instrument Date	Oct 11, 2018
Instrument	1402564
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	510 E CADY ST, WATERTOWN, WI 53094-3832

Mortgage

Document Number	0001402565
Date	Oct 15, 2018
Instrument	1402565

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 510 E Cady St was $3,476 with a homeowner's exemption.

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

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	$3,476.00 Homeowner's exemption	$211,800 Land $19,400 Building $192,400	$212,200
2023	$2,516.00	$143,200 Land $16,200 Building $127,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 510 E Cady St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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

The area around 510 E Cady 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.

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 457 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
AT&T DSL	100 / 20

May also be available: Netwurx, T-Mobile, TDS Telecom.

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