516 E Clay St, Whitewater, WI 53190 Property Records

Walworth County property record for 516 E Clay St, Whitewater, WI 53190

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ES 00028`

Property Details

APN / Parcel Number

Primary APN	`ES 00028`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Old Parcel Number	/ES00028
Street Address	516 E CLAY ST
City	WHITEWATER
State	WI
Zip	53190-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK 4 ESTERLYS ADD. CITY OF WHITEWATER
Legal Subdivision	ESTERLYS ADD
Legal Block	4
Legal Lot Number	16
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	2
Census Block	2035
Census Tract	400

Owner

Source: Walworth County records, as of February 9, 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	516 E CLAY ST, WHITEWATER, WI 53190-2008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage OLD NATIONAL BANK
Oct 2, 2018	Deed of Trust, Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	516 E CLAY ST, WHITEWATER, WI 53190-2008
Transaction Type	Mortgage
Record Updated	May 7, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1007267
Date	Apr 9, 2020
Instrument	1007267

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	JANESVILLE, WI 53545

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	516 E CLAY ST, WHITEWATER, WI 53190-2008
Transaction Type	Mortgage
Record Updated	Oct 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	976214
Date	Oct 2, 2018
Instrument	976214

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	JANESVILLE, WI 53545

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Sep 15, 2028

Tax Assessment & Valuation

Source: Walworth County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Walworth County
Municipality	Whitewater City
Unified School District	Whitewater School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,420.00 (+24.05%) Homeowner's exemption	$223,500 (+18.95%) Land $45,100 Building $178,400	$225,372 (+28.1%) Land $45,478 Building $179,894
2023	$2,757.00 (+0.33%) Homeowner's exemption	$187,900 (+11.51%) Land $45,100 Building $142,800
2022	$2,748.00 Homeowner's exemption	$168,500 Land $45,100 Building $123,400	$175,935

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 March 2, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 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	WHITEWATER WATERWORKS serves 14,000 people · EPA ID WI2650056
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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