646 E Cherry St, Oconomowoc, WI 53066 Property Records

Waukesha County property record for 646 E Cherry St, Oconomowoc, WI 53066

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,285 sqft
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Mar 2003)
Tax Bill	$2,810 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`OCOC-0561-618`

Property Details

APN / Parcel Number

Primary APN	`OCOC-0561-618`

Exterior

Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	646 E CHERRY ST
City	OCONOMOWOC
State	WI
Zip	53066-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 47 & 48 BLK D OCONOMOWOC HEIGHTS PLAT PT W1/2 NE1/4 SEC 33 T8N R17E DOC# 2954181
Legal Range	17E
Legal Township	8N
Legal Section	33
Legal Subdivision	OCONOMOWOC HEIGHTS
Legal Block	D
Legal Lot Number	47,48
Jurisdiction	WAUKESHA WI
Township / Civil Division	OCONOMOWOC
Census Block Group	3
Census Block	3035
Census Tract	204301

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	646 E CHERRY ST, OCONOMOWOC, WI 53066-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK FIVE NINE
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK FIVE NINE
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK FINANCIAL CENTRE
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage LANDMARK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2003 · Amount on Record
Deed Sale	Mar 20, 2003 · Amount on Record
Prior Sale	Jun 21, 2000 · Amount on Record
Deed Document Number	20032954181
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	646 E CHERRY ST, OCONOMOWOC, WI 53066-3102
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004686768
Date	Aug 29, 2022
Instrument	4686768

Lender

Name	BANK FIVE NINE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	646 E CHERRY ST, OCONOMOWOC, WI 53066-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004519683
Date	Oct 13, 2020
Instrument	4519683

Lender

Name	BANK FIVE NINE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	646 E CHERRY ST, OCONOMOWOC, WI 53066-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004437625
Date	Nov 22, 2019
Instrument	4437625

Lender

Name	FIRST BANK FINANCIAL CENTRE
Type	Bank
Address	OCONOMOWOC, WI 53066

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAUKESHA WI
Property Address	646 E CHERRY ST, OCONOMOWOC, WI 53066-3102
Document Number	0004341036
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 E CHERRY ST OCONOMOWOC WI 530663102, OCONOMOWOC, WI 53066-3102

Mortgage

Document Number	0004341036
Date	May 25, 2018
Instrument	4341036

Lender

Name	LANDMARK CU
Type	Credit Union
Address	NEW BERLIN, WI 53151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

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	$2,810.00 (+11.69%)	$271,400 (+19.56%) Land $39,500 Building $231,900	$275,400 (+16.25%)
2023	$2,516.00 Homeowner's exemption	$227,000 Land $39,500 Building $187,500	$236,900

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

Flood

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

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

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 90% of Wisconsin
Wildfire Likelihood	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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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