532 Lum Ave, Waterloo, WI 53594 Property Records

Jefferson County property record for 532 Lum Ave, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Sep 2021)
Tax Bill	$4,089 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0532-019`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0532-019`

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Location & Zoning

Street Address	532 LUM AVE
City	WATERLOO
State	WI
Zip	53594-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 7, LC & ZO FAILINGER'S REPLAT OF BLK 7 LUMS 2ND ADD.
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	LUMS 2ND ADD
Legal Block	7
Legal Lot Number	3
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2020
Census Tract	100400

Owner

532 Lum Ave is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	532 LUM AVE, WATERLOO, WI 53594-1123
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
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY OF WATERLOO
May 1, 2019	Warranty Deed, Transfer · Conventional with PMI LANDMARK CU
Nov 28, 2018	Grant Deed, Transfer ATTORNEY ONLY
Jul 26, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Prior Sale	May 1, 2019 · Amount on File
Deed Document Number	1452433
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Sep 24, 2021
Property Address	532 LUM AVE, WATERLOO, WI 53594-1123
Document Number	0001452433
Instrument Date	Aug 26, 2021
Instrument	1452433
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$621.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 LUM AVE, WATERLOO, WI 53594-1123

Mortgage

Document Number	0001452434
Date	Sep 24, 2021
Instrument	1452434

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	0001451585
Date	Sep 9, 2021
Instrument	1451585

Lender

Name	WHEDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2031

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	532 LUM AVE, WATERLOO, WI 53594-1123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001433936
Date	Oct 26, 2020
Instrument	1433936

Lender

Name	CITY OF WATERLOO
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	May 1, 2019
Property Address	532 LUM AVE, WATERLOO, WI 53594-1123
Document Number	0001408430
Instrument Date	Apr 22, 2019
Instrument	1408430
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 LUM AVE WATERLOO WI 535941123, WATERLOO, WI 53594-1123

Mortgage

Document Number	1408431
Date	May 1, 2019
Instrument	1408431

Lender

Name	LANDMARK CU
Type	Credit Union
Address	NEW BERLIN, WI 53151

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON WI
Recording Date	Nov 28, 2018
Property Address	532 LUM AVE, WATERLOO, WI 53594-1123
Document Number	0001403992
Instrument Date	Nov 14, 2018
Instrument	1403992
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$225.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 LUM AVE WATERLOO WI 535941123, WATERLOO, WI 53594-1123

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jul 26, 2018
Property Address	532 LUM AVE, WATERLOO, WI 53594-1123
Document Number	0001399545
Instrument Date	Jun 25, 2018
Instrument	1399545
Transaction Type	Foreclosure
Record Updated	Aug 28, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$347.66
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	532 LUM AVE WATERLOO WI 535941123, WATERLOO, WI 53594-1123

Tax Assessment & Valuation

The 2025 property tax bill for 532 Lum Ave was $4,089 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	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,089.00 Homeowner's exemption	$223,200 Land $38,000 Building $185,200	$246,300
2023	$3,035.00 Homeowner's exemption	$152,000 Land $31,500 Building $120,500

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

Flood

FEMA maps place 532 Lum Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

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 532 Lum Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Wisconsin
Wildfire Likelihood	0.02% 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	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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