649 Hilltop Ln, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 649 Hilltop Ln, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,494 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Oct 2017)
Tax Bill	$4,962 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Oct 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-SY-030-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-SY-030-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,494 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	1,038 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	13.5 ft deep x 8.7 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	649 HILLTOP LN
City	RIPON
State	WI
Zip	54971-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S28 T16N R14E SYLVAN ACRES LOT 3
Legal Range	14E
Legal Township	16N
Legal Section	28
Legal Subdivision	SYLVAN ACRES
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	649 HILLTOP LN, RIPON, WI 54971-8801
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2018	Deed of Trust, Mortgage WINNEBAGO COMMUNITY CU
Oct 6, 2017	Warranty Deed, Transfer
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN RULE COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2017 · Amount on Record
Deed Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	20171090550
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	649 HILLTOP LN, RIPON, WI 54971-8801
Transaction Type	Mortgage
Record Updated	May 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1098128
Date	Apr 25, 2018
Instrument	1098128

Lender

Name	WINNEBAGO COMMUNITY CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Amount	Amount Recorded

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FOND DU LAC WI
Recording Date	Oct 6, 2017
Property Address	649 HILLTOP LN, RIPON, WI 54971-8801
Document Number	0001090550
Instrument Date	Oct 6, 2017
Instrument	1090550
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Tax	$555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	649 HILLTOP LN, RIPON, WI 54971-8801
Transaction Type	Mortgage
Record Updated	Sep 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1088419
Date	Aug 21, 2017
Instrument	1088419

Lender

Name	GOLDEN RULE COMMUNITY CU
Address	Ripon, WI 54971

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 20, 2032

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	$4,962.00 (+23.25%)	$211,200 (+10.29%) Land $21,500 Building $189,700	$325,743 (+44.79%) Land $33,160 Building $292,583
2023	$4,026.00 Homeowner's exemption	$191,500 Land $21,500 Building $170,000	$224,976 Land $25,258 Building $199,718

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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