558 E Clay St, Whitewater, WI 53190 Property Records

Walworth County property record for 558 E Clay St, Whitewater, WI 53190

Property Summary

Property Type	Commercial
Lot Size	1.25 acres (54,842 sqft)
Owner	2 Individual Names on File
Last Sale	$214,000 (Jul 2019)
Tax Bill	$4,444 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ES 00024A`

Property Details

APN / Parcel Number

Primary APN	`ES 00024A`

Exterior

Lot Area	54,842 sqft (1.25 acres)

Location & Zoning

Street Address	558 E CLAY ST
City	WHITEWATER
State	WI
Zip	53190-2008
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 10 BLK 4 ESTERLYS ADD. CITY OF WHITEWATER; ASSESSMENT INCLUDES /ES-24 & /ES-24B
Legal Subdivision	ESTERLYS ADD
Legal Block	4
Legal Lot Number	10
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	2
Census Block	2035
Census Tract	400

Owner

558 E Clay St, a commercial property, is owned by two individuals who bought it in July 2019.

Source: Walworth County records, as of February 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	558 E CLAY ST, WHITEWATER, WI 53190-2008
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
Jul 6, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 19, 2019	Deed, Transfer SOUTHEASTERN TITLE, SOUTHEASTERN TITLE LLC
Jul 19, 2019	Re-recorded Document · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Nov 26, 2013 · Amount on File
Deed Document Number	2019990843
Prior Transfer Date	Nov 9, 2010
Prior Transfer Doc	0000802903
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	558 E CLAY ST, WHITEWATER, WI 53190-2008
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001041125
Date	Jul 6, 2021
Instrument	1041125

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	558 E CLAY ST, WHITEWATER, WI 53190-2008
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001060138
Date	Apr 18, 2022
Instrument	1060138

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WALWORTH WI
Recording Date	Jul 19, 2019
Property Address	558 E CLAY ST, WHITEWATER, WI 53190-2008
Document Number	990842
Instrument Date	Jul 18, 2019
Instrument	990842
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	SOUTHEASTERN TITLE, SOUTHEASTERN TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 E CLAY ST, WHITEWATER, WI 53190-2008

July 2019: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WALWORTH WI
Recording Date	Jul 19, 2019
Property Address	558 E CLAY ST, WHITEWATER, WI 53190-2008
Document Number	990843
Instrument Date	Jul 16, 2019
Instrument	990843
Record Updated	Sep 14, 2021
Title Company	SOUTHEASTERN TITLE, SOUTHEASTERN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	558 E CLAY ST, WHITEWATER, WI 53190-2008

Mortgage

Document Number	0000990844
Date	Jul 19, 2019
Instrument	990844

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 558 E Clay St was $4,444.

Source: Walworth County assessment roll, as of February 10, 2026

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	$4,444.00	$272,700 Land $101,500 Building $171,200	$274,983 Land $102,350 Building $172,633
2023	$3,537.00 (-7.43%)	$219,600 (+2.62%) Land $101,500 Building $118,100
2022	$3,821.00	$214,000 Land $101,500 Building $112,500	$223,442

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

Flood

FEMA maps place 558 E Clay St in Zone X, an area of minimal flood risk.

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

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 558 E Clay 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 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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