809 E Cady St, Watertown, WI 53094 Property Records

Jefferson County property record for 809 E Cady St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2026)
Tax Bill	$3,679 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0411-053`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0411-053`
Alternative APN	`29142230001000`

Exterior

Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	108 ft deep x 50 ft wide

Location & Zoning

Street Address	809 E CADY ST
City	WATERTOWN
State	WI
Zip	53094-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E50FT OF W60FT, LOT 9, BLK 3 T PRENTISS ADD.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Subdivision	T PRENTISS ADDITION
Legal Block	3
Legal Lot Number	9
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4008
Census Tract	100200

Owner

809 E Cady St is owned and occupied by two individuals who bought it in September 2026.

Source: Jefferson County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	809 E CADY ST, WATERTOWN, WI 53094-3909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 1, 2026	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Feb 26, 2019	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Feb 26, 2019 · Amount on File
Deed Document Number	20261511375
Prior Transfer Date	Feb 21, 2019
Prior Transfer Doc	0001406491
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Sep 1, 2026
Property Address	809 E CADY ST, WATERTOWN, WI 53094-3909
Document Number	0001511375
Instrument Date	Aug 28, 2026
Instrument	20261511375
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 E CADY ST, WATERTOWN, WI 53094-3909

Mortgage

Document Number	0001511376,
Date	Sep 1, 2026
Instrument	20261511376

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0001511377,
Date	Sep 1, 2026
Instrument	20261511377

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Feb 26, 2019
Property Address	809 E CADY ST, WATERTOWN, WI 53094-3909
Document Number	0001406492
Instrument Date	Feb 21, 2019
Instrument	1406492
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 E CADY ST, WATERTOWN, WI 53094-3909

Mortgage

Document Number	0001406493
Date	Feb 26, 2019
Instrument	1406493

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 809 E Cady St was $3,679 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of February 18, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Watertown City
Unified School District	Watertown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,679.00 Homeowner's exemption	$224,200 Land $37,200 Building $187,000	$224,700
2023	$3,212.00	$181,900 Land $31,200 Building $150,700

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

Flood

FEMA maps place 809 E Cady St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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

The area around 809 E Cady St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WATERTOWN WATERWORKS serves 23,945 people · EPA ID WI1280044
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	15 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	2 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 457 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
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Netwurx, T-Mobile, TDS Telecom.

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