646 Gately Ter, Madison, WI 53711 Property Records

Dane County property record for 646 Gately Ter, Madison, WI 53711

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 1951
Lot Size	0.204 acres (8,917 sqft)
Owner	2 Individual Names on File
Last Sale	$242,500 (May 2015)
Tax Bill	$8,943 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0709-294-0214-0`

Property Details

APN / Parcel Number

Primary APN	`0709-294-0214-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
1st Floor Area	1,348 sqft
Basement Area	1,198 sqft
Finished Basement	484 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,917 sqft (0.204 acres)
Garage Type	Mixed
Garage Area	550 sqft
Carport	Carport
Carport Area	200 sqft
Driveway	Driveway
Driveway Area	144 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	201 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	646 GATELY TER
City	MADISON
State	WI
Zip	53711-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-C1
Legal Description	TILLOTSON PLAT, LOT 12
Legal Range	09
Legal Township	07
Legal Section	29
Legal Subdivision	TILLOTSON PLAT
Legal Lot Number	12
Jurisdiction	DANE WI
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1029
Census Tract	401

Owner

646 Gately Ter is owned and occupied by two individuals who bought it in May 2015.

Source: Dane County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	646 GATELY TER, MADISON, WI 53711-1506
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
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit UW CU
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2015 · Amount on File
Deed Sale	May 20, 2015 · Amount on File
Prior Sale	Sep 29, 2006 · Amount on File
Deed Document Number	5152860
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	646 GATELY TER, MADISON, WI 53711-1506
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006067270
Date	Dec 2, 2025
Instrument	6067270

Lender

Name	UW CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	646 GATELY TER, MADISON, WI 53711-1506
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005719341
Date	Apr 20, 2021
Instrument	5719341

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Dane County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Madison City
Unified School District	Madison Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$525,100 Land $108,800 Building $416,300
2024	$8,943.00		$525,100
2023		$500,100 Land $103,600 Building $396,500
2022	$7,931.00

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

Flood

FEMA maps place 646 Gately Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · 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 Policies	4 in force
Nearby Flood Claims	2 (2013–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2017

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 646 Gately Ter 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	MADISON WATER UTILITY serves 272,000 people · EPA ID WI1130224
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 548 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LiteWire Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Four Lakes Broadband.

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