648 Harvey St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 648 Harvey St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,529 sqft · built 1990
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Sep 2014)
Tax Bill	$5,173 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-28-01-011-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-28-01-011-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,529 sqft Living Area
1st Floor Area	1,674 sqft
2nd Floor Area	855 sqft
Basement Area	1,654 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	13.5 ft deep x 9 ft wide
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	414 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	648 HARVEY ST
City	RIPON
State	WI
Zip	54971-9501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S28 T16N R14E NEWTON'S RESURVEY LOT 3 CSM #3546-19-105 LOC IN NE 1/4 NE 1/4
Legal Range	14E
Legal Township	16N
Legal Section	28
Legal Subdivision	NEWTONS RESURVEY
Legal Lot Number	3
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3013
Census Tract	41500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	648 HARVEY ST, RIPON, WI 54971-9501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2014 · Amount on Record
Deed Sale	Sep 11, 2014 · Amount on Record
Deed Document Number	20141042527
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	648 HARVEY ST, RIPON, WI 54971-9501
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 HARVEY ST, RIPON, WI 54971-9501

Mortgage

Document Number	0001214738
Date	Oct 10, 2025
Instrument	1214738

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	648 HARVEY ST, RIPON, WI 54971-9501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1121677
Date	Nov 15, 2019
Instrument	1121677

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$5,173.00 (+10.75%)	$219,800 (-) Land $22,000 Building $197,800	$339,008 (+31.28%) Land $33,932 Building $305,076
2023	$4,671.00 Homeowner's exemption	$219,800 Land $22,000 Building $197,800	$258,223 Land $25,846 Building $232,377

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 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 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

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	0.02% 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	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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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