523 S Gault St, Whitewater, WI 53190 Property Records

Walworth County property record for 523 S Gault St, Whitewater, WI 53190

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on File
Last Sale	$152,500 (Oct 2022)
Tax Bill	$2,925 (2025)
Deeds & Mortgages	Oct 2022 Sale & Second Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CA 00017`

Property Details

APN / Parcel Number

Primary APN	`CA 00017`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Old Parcel Number	/CA00017
Street Address	523 S GAULT ST
City	WHITEWATER
State	WI
Zip	53190-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BLK 2 CAINE'S ADDITION CITY OF WHITEWATER
Legal Subdivision	CAINE'S ADD
Legal Block	2
Legal Lot Number	17
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	1
Census Block	1018
Census Tract	502

Owner

523 S Gault St is owned by a company that bought it in October 2022.

Source: Walworth County records, as of February 9, 2026

Owner of Record	Company Name on File
Mailing Address	W7296 US HIGHWAY 12, WHITEWATER, WI 53190-3924
Owner Type	Company

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
Oct 5, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage FIRST CITIZENS STATE BANK
Feb 16, 2018	Deed of Trust, Mortgage BADGER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	Dec 26, 2013 · Amount on File
Deed Document Number	1069518
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALWORTH WI
Recording Date	Oct 5, 2022
Property Address	523 S GAULT ST, WHITEWATER, WI 53190-1807
Document Number	0001069518
Instrument Date	Sep 29, 2022
Instrument	1069518
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W7296 US HIGHWAY 12, WHITEWATER, WI 53190-3924

Mortgage

Document Number	0001069519
Date	Oct 5, 2022
Instrument	1069519

Lender

Name	FIRST CITIZENS STATE BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	523 S GAULT ST, WHITEWATER, WI 53190-1807
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000962160
Date	Feb 16, 2018
Instrument	962160

Lender

Name	BADGER BANK
Type	Bank
Address	FORT ATKINSON, WI 53538

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 15, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 523 S Gault St was $2,925.

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	$2,925.00	$166,900 Land $44,600 Building $122,300	$168,297 Land $44,973 Building $123,324
2023	$2,485.00 (-42.22%)	$152,500 (-36.56%) Land $44,600 Building $107,900
2022	$4,301.00	$240,400 Land $44,600 Building $195,800	$251,007

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

Flood

FEMA maps place 523 S Gault St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2013 · other causes

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

Wildfire risk around 523 S Gault St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 88% 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.

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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Netwurx, T-Mobile.

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