515 Liberty St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 515 Liberty St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1880
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$127,500 (Feb 2020)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Jul 2009 Mortgage Jul 2014 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-CE-360-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-CE-360-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,664 sqft Living Area
1st Floor Area	832 sqft
2nd Floor Area	832 sqft
Attic	Attic
Attic Area	304 sqft
Basement Area	832 sqft
Game Room	Game Room

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	13.2 ft deep x 6.6 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	515 LIBERTY ST
City	RIPON
State	WI
Zip	54971-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S21 T16N R14E CERESCO PLAT THE W 4 RDS OF N 8 RDS LOT 1 BLK 10 ALSO E 1/2 VAC ALLEY ADJ ON W
Legal Range	14E
Legal Township	16N
Legal Section	21
Legal Subdivision	CERESCO PLAT
Legal Block	10
Legal Lot Number	1
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	4
Census Block	4001
Census Tract	41600

Owner

Source: Fond Du Lac County records, as of March 30, 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	515 LIBERTY ST, RIPON, WI 54971-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF BURLIN
Jul 28, 2014	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF BERLIN
Jul 15, 2009	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF BERLIN
Mar 23, 2026	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 13, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 10, 2018	Warranty Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS BANK
Aug 15, 2005	Warranty Deed, Transfer · Conventional Mortgage M & I MARSHALL & ILSLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2020 · Amount on Record
Deed Sale	Feb 13, 2020 · Amount on Record
Prior Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	20201125525
Prior Transfer Date	Jun 30, 2014
Prior Transfer Doc	0001039545
Record Updated	Oct 29, 2026

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000943012
Date	Jul 15, 2009
Instrument	943012

Lender

Name	FIRST NATIONAL BANK OF BURLIN
Address	BERLIN, WI 54923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2024

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001040565
Date	Jul 28, 2014
Instrument	1040565

Lender

Name	FIRST NATIONAL BANK OF BERLIN
Type	Bank
Address	BERLIN, WI 54923

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000943013
Date	Jul 15, 2009
Instrument	943013

Lender

Name	FIRST NATIONAL BANK OF BERLIN
Type	Bank
Address	BERLIN, WI 54923

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Mar 23, 2026
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Document Number	0001220894
Instrument Date	Mar 20, 2026
Instrument	1220894
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	GUARANTY TITLE SERVICES, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	515 LIBERTY ST, RIPON, WI 54971-1217

Mortgage

Document Number	0001220895
Date	Mar 23, 2026
Instrument	1220895

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Feb 13, 2020
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Document Number	0001125525
Instrument Date	Feb 7, 2020
Instrument	1125525
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 LIBERTY ST, RIPON, WI 54971-1217

Mortgage

Document Number	0001125526
Date	Feb 13, 2020
Instrument	1125526

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Jul 10, 2018
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Document Number	0001101284
Instrument Date	Jul 9, 2018
Instrument	1101284
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$384.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 LIBERTY ST, RIPON, WI 54971-1217

Mortgage

Document Number	0001101285
Date	Jul 10, 2018
Instrument	1101285

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Aug 15, 2005
Property Address	515 LIBERTY ST, RIPON, WI 54971-1217
Document Number	0000853686
Instrument Date	Aug 10, 2005
Instrument	853686
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 LIBERTY ST, RIPON, WI 54971-1217

Mortgage

Document Number	0000853687
Date	Aug 15, 2005
Instrument	853687

Lender

Name	M & I MARSHALL & ILSLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2035

Mortgage

Document Number	0000853690
Date	Aug 15, 2005
Instrument	853690

Lender

Name	M & I MARSHALL & ILSLEY BANK
Type	Bank
Address	00000

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,841.00 (+13.28%)	$124,900 (-) Land $19,000 Building $105,900	$192,639 (+31.29%) Land $29,305 Building $163,334
2023	$2,508.00 Homeowner's exemption	$124,900 Land $19,000 Building $105,900	$146,733 Land $22,321 Building $124,412

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 December 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 94% of Wisconsin
Wildfire Likelihood	Under 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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 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

May also be available: Bertram Communications, Bug Tussel Wireless, Verizon.

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