637 E Clay St, Whitewater, WI 53190 Property Records

Walworth County property record for 637 E Clay St, Whitewater, WI 53190

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (44,039 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Jun 2026)
Tax Bill	$5,280 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A161200002`

Property Details

APN / Parcel Number

Primary APN	`A161200002`

Exterior

Lot Area	44,039 sqft (1.01 acres)

Location & Zoning

Street Address	637 E CLAY ST
City	WHITEWATER
State	WI
Zip	53190-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 CERT SURVEY NO. 1612 RECORDED IN VOL 7 CS PG 282 WCR SE 1/4 SE 1/4 SEC 4 T4N R15E. .972 A. CITY OF WHITEWATER
Legal Range	15E
Legal Township	04N
Legal Section	04
Legal Subdivision	CSM NO 1612
Legal Lot Number	2
Jurisdiction	WALWORTH WI
Township / Civil Division	WHITEWATER
Census Block Group	2
Census Block	2036
Census Tract	400

Owner

637 E Clay St is owned and occupied by an individual who bought it in June 2026.

Source: Walworth County records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	637 E CLAY ST, WHITEWATER, WI 53190-2009
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
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FORT COMMUNITY CU
May 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on File
Deed Sale	Jun 24, 2026 · Amount on File
Prior Sale	May 15, 2019 · Amount on File
Deed Document Number	20261131694
Prior Transfer Date	May 7, 2009
Prior Transfer Doc	0000763975
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALWORTH WI
Recording Date	Jun 24, 2026
Property Address	637 E CLAY ST, WHITEWATER, WI 53190-2009
Document Number	0001131694
Instrument Date	Jun 15, 2026
Instrument	20261131694
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E CLAY ST, WHITEWATER, WI 53190-2009

Mortgage

Document Number	0001131694,
Date	Jun 24, 2026
Instrument	20261131694

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALWORTH WI
Property Address	637 E CLAY ST, WHITEWATER, WI 53190-2009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	942165
Date	Feb 28, 2017
Instrument	942165

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALWORTH WI
Recording Date	May 15, 2019
Property Address	637 E CLAY ST, WHITEWATER, WI 53190-2009
Document Number	0000986822
Map Reference	DOC 150286
Instrument Date	May 10, 2019
Instrument	986822
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$741.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E CLAY ST, WHITEWATER, WI 53190-2009

Mortgage

Document Number	0000986823
Date	May 15, 2019
Instrument	986823

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 637 E Clay St was $5,280 with a homeowner's exemption.

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	$5,280.00 Homeowner's exemption	$335,900 Land $55,600 Building $280,300	$338,712 Land $56,065 Building $282,647
2023	$4,299.00 (+3.92%) Homeowner's exemption	$281,800 (+15.11%) Land $55,600 Building $226,200
2022	$4,137.00 Homeowner's exemption	$244,800 Land $55,600 Building $189,200	$255,601

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

Flood

FEMA maps place 637 E Clay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 637 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 93% of the US · lower than 81% 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 67 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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