541 E Clay St, Whitewater, WI 53190 Property Records

Walworth County property record for 541 E Clay St, Whitewater, WI 53190

Property Summary

Property Type	Single Family Home
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$278,000 (Mar 2024)
Tax Bill	$4,322 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A392500004`

Property Details

APN / Parcel Number

Primary APN	`A392500004`

Exterior

Lot Area	20,473 sqft (0.469 acres)

Location & Zoning

Street Address	541 E CLAY ST
City	WHITEWATER
State	WI
Zip	53190-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 CERTIFIED SURVEY NO. 3925 AS RECORDED IN VOL 24 OF C.S. ON PAGE 75 WCR. LOCATED IN SE 1/4 SE 1/4 SEC 4 T4N R15E. ALSO P
Legal Range	15E
Legal Township	04N
Legal Section	04
Legal Subdivision	CERTIFIED SURV MAP #3925
Legal Lot Number	4
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	2
Census Block	2036
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
Co-owner	Co-owner on Record
Mailing Address	541 E CLAY ST, WHITEWATER, WI 53190-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Warranty Deed, Transfer · Conventional Mortgage FORT COMMUNITY CU
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage FORT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Deed Document Number	1092264
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALWORTH WI
Recording Date	Mar 20, 2024
Property Address	541 E CLAY ST, WHITEWATER, WI 53190-2007
Document Number	0001092264
Map Reference	DOC 673426
Instrument Date	Mar 8, 2024
Instrument	1092264
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 E CLAY ST, WHITEWATER, WI 53190-2007

Mortgage

Document Number	0001092263
Date	Mar 20, 2024
Instrument	1092263

Lender

Name	FORT COMMUNITY CU
Type	Credit Union
Address	FORT ATKINSON, WI 53538

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	541 E CLAY ST, WHITEWATER, WI 53190-2007
Transaction Type	Mortgage
Record Updated	Oct 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	995510
Date	Oct 3, 2019
Instrument	995510

Lender

Name	FORT COMMUNITY CU
Type	Credit Union
Address	FORT ATKINSON, WI 53538

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$4,322.00 (+66.23%) Homeowner's exemption	$278,000 (+55.92%) Land $51,200 Building $226,800	$280,328 (+67.91%) Land $51,629 Building $228,699
2023	$2,600.00 (+0.35%) Homeowner's exemption	$178,300 (+11.51%) Land $51,200 Building $127,100
2022	$2,591.00 Homeowner's exemption	$159,900 Land $51,200 Building $108,700	$166,955

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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