640 S Grove St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 640 S Grove St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,214 sqft · built 1900
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Mar 2024)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-CC-430-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-CC-430-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,214 sqft Living Area
1st Floor Area	674 sqft
2nd Floor Area	400 sqft
Basement Area	674 sqft
Finished Basement	140 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	9,845 sqft (0.226 acres)
Lot Dimensions	14.9 ft deep x 6.6 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Patio Area	55 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	640 S GROVE ST
City	RIPON
State	WI
Zip	54971-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S21 T16N R14E CATLIN'S ADDITION N 1/2 OF LOT 7 BLK 3
Legal Range	14E
Legal Township	16N
Legal Section	21
Legal Subdivision	CATLINS ADDITION
Legal Block	3
Legal Lot Number	7
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	2
Census Block	2005
Census Tract	41600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Southwest Historic District listed 2004 · 161 contributing resources · NRIS 04000653

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

640 S Grove St is owned and occupied by an individual who bought it in March 2024.

Source: Fond Du Lac County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	640 S GROVE ST, RIPON, WI 54971-1633
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
Nov 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 15, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONAL EXCHANGE BANK & TRUST
Oct 28, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2024 · Amount on File
Deed Sale	Mar 15, 2024 · Amount on File
Prior Sale	Jul 8, 2022 · Amount on File
Deed Document Number	20241193568
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	640 S GROVE ST, RIPON, WI 54971-1633
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	GUARANTY TITLE SERVICES, GUARANTY CLOSING & TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S GROVE ST, RIPON, WI 54971-1633

Mortgage

Document Number	0001216120
Date	Nov 14, 2025
Instrument	1216120

Lender

Name	US BANK NA
Type	Bank
Address	RIPON, WI 54971

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Mar 15, 2024
Property Address	640 S GROVE ST, RIPON, WI 54971-1633
Document Number	0001193568
Instrument Date	Mar 13, 2024
Instrument	1193568
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	GUARANTY TITLE SERVICES, GUARANTY CLOSING & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S GROVE ST, RIPON, WI 54971-1633

Mortgage

Document Number	0001193569
Date	Mar 15, 2024
Instrument	1193569

Lender

Name	US BANK NA
Type	Bank

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Jul 8, 2022
Property Address	640 S GROVE ST, RIPON, WI 54971-1633
Document Number	0001172544
Instrument Date	Jul 1, 2022
Instrument	1172544
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	GUARANTY TITLE SERVICES, GUARANTY TTL SVCS INC APPLET

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S GROVE ST, RIPON, WI 54971-1633

Mortgage

Document Number	0001172545
Date	Jul 8, 2022
Instrument	1172545

Lender

Name	NATIONAL EXCHANGE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Oct 28, 2019
Property Address	640 S GROVE ST, RIPON, WI 54971-1633
Document Number	0001120587
Instrument Date	Oct 25, 2019
Instrument	1120587
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S GROVE ST, RIPON, WI 54971-1633

Mortgage

Document Number	0001120588
Date	Oct 28, 2019
Instrument	1120588

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 640 S Grove St was $3,246 with a homeowner's exemption.

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,246.00	$141,400 Land $20,000 Building $121,400	$218,088 Land $30,847 Building $187,241
2023	$3,151.00	$141,400 Land $20,000 Building $121,400	$166,118 Land $23,496 Building $142,622

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

Flood

FEMA maps place 640 S Grove St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective December 19, 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
Nearby Flood Claims	2 (2003–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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

The area around 640 S Grove St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed, Verizon.

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