603 E Bluff Cir, Waterford, WI 53185 Property Records

Racine County property record for 603 E Bluff Cir, Waterford, WI 53185

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,900 (May 2025)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`191 041925017202`

Property Details

APN / Parcel Number

Primary APN	`191 041925017202`

Exterior

Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Street Address	603 E BLUFF CIR
City	WATERFORD
State	WI
Zip	53185-5645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4TRAILSIDE LANDING LOT 2 & UNDIV INT IN OUTLOT 6 FROM 191041925017120 IN 2024 FOR 2025 ROLL
Legal Range	19E
Legal Township	04N
Legal Section	25
Legal Subdivision	TRAILSIDE LANDING
Legal Lot Number	2
Jurisdiction	RACINE WI
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3039
Census Tract	2800

Owner

Source: Racine County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage LANDMARK CU
May 30, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BMO BANK NA
Dec 2, 2024	Warranty Deed, Construction Loan · Construction Mortgage FIRST BUSINESS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	Dec 2, 2024 · Amount on Record
Deed Document Number	20252702009
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RACINE WI
Property Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645

Mortgage

Document Number	0002724242
Date	Mar 31, 2026
Instrument	2724242

Lender

Name	LANDMARK CU
Type	Credit Union
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

May 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RACINE WI
Recording Date	May 30, 2025
Property Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645
Document Number	0002702009
Instrument Date	May 19, 2025
Instrument	2702009
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 23, 2026
Title Company	LAKEFRONT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,364.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645

Mortgage

Document Number	0002702010
Date	May 30, 2025
Instrument	2702010

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

December 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RACINE WI
Recording Date	Dec 2, 2024
Property Address	603 E BLUFF CIR, WATERFORD, WI 53185-5645
Document Number	0002690408
Instrument Date	Nov 26, 2024
Instrument	2690408
Transaction Type	Construction Loan
Record Updated	Mar 27, 2026
Title Company	FRONTIER TITLE COMPANY, FRONTIER T&E CO INC

Transaction

Amount	Amount Recorded
Tax	$534.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	N27W24025 PAUL CT # 200, 200, PEWAUKEE, WI 53072-6334

Mortgage

Document Number	0002690409
Date	Dec 2, 2024
Instrument	2690409

Lender

Name	FIRST BUSINESS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Racine County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Racine County
Municipality	Waterford Village
Secondary School District	Waterford Union High School District (09 - 12)
Elementary School District	Waterford Joint No. 1 School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,348.00	$212,900 Land $60,000 Building $152,900	$226,539 Land $63,844 Building $162,695

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2024 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TDS Telecom Fiber	1,000 / 1,000

May also be available: Verizon.

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