644 E Madison St, Oconomowoc, WI 53066 Property Records

Waukesha County property record for 644 E Madison St, Oconomowoc, WI 53066

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,904 sqft
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,769 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OCOC-0561-436`

Property Details

APN / Parcel Number

Primary APN	`OCOC-0561-436`

Exterior

Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	644 E MADISON ST
City	OCONOMOWOC
State	WI
Zip	53066-2978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W1/2NE1/4 SEC 33 T8N R17E (LOTS 15, 16, 17 & 18 BLK G UNREC 1ST ADD OCON HEIGHTS) COM NW COR 1/4 SEC S44 47E 46.70 FT S 934 FT N89 35E 400 FT S 219.80 FT THE BGN S 88 FT N88 41E 110 FT N 88 FT S88 41W 110 FT TO BGN R1728/17
Legal Range	17E
Legal Township	8N
Legal Section	33
Legal Subdivision	ST ADD OCON HEIGHTS
Legal Block	G
Jurisdiction	WAUKESHA WI
Township / Civil Division	OCONOMOWOC
Census Block Group	3
Census Block	3018
Census Tract	204301

Owner

644 E Madison St is owned and occupied by two individuals.

Source: Waukesha County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	644 E MADISON ST, OCONOMOWOC, WI 53066-2978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	644 E MADISON ST, OCONOMOWOC, WI 53066-2978
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004687457
Date	Sep 1, 2022
Instrument	4687457

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	644 E MADISON ST, OCONOMOWOC, WI 53066-2978
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004576507
Date	Apr 19, 2021
Instrument	4576507

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2051

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	644 E MADISON ST, OCONOMOWOC, WI 53066-2978
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004455894
Date	Feb 25, 2020
Instrument	4455894

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 644 E Madison St was $3,769.

Source: Waukesha County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Waukesha County
Municipality	Oconomowoc City
Unified School District	Oconomowoc Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,769.00	$363,800 Land $72,500 Building $291,300	$369,200
2023	$3,431.00 Homeowner's exemption	$307,800 Land $72,500 Building $235,300	$321,300

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

Flood

FEMA maps place 644 E Madison St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 19, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 644 E Madison 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 99.1% of the US · lower than 97.9% 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	OCONOMOWOC WATERWORKS serves 15,805 people · EPA ID WI2680227
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	7 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	None 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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx, Verizon.

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