810 Lum Ave, Waterloo, WI 53594 Property Records

Jefferson County property record for 810 Lum Ave, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$169,000 (Mar 2016)
Tax Bill	$5,427 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0523-030`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0523-030`

Exterior

Lot Area	16,988 sqft (0.39 acres)

Location & Zoning

Street Address	810 LUM AVE
City	WATERLOO
State	WI
Zip	53594-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, PARK HILLS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Subdivision	PARK HILLS
Legal Lot Number	8
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2016
Census Tract	100400

Owner

Source: Jefferson County records, as of April 10, 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	810 LUM AVE, WATERLOO, WI 53594-1157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUD
May 24, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL CO
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit UW CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2016 · Amount on Record
Deed Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	20161365083
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	810 LUM AVE, WATERLOO, WI 53594-1157
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001462901
Date	May 23, 2022
Instrument	1462901

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2052

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	810 LUM AVE, WATERLOO, WI 53594-1157
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461312
Date	Apr 14, 2022
Instrument	1461312

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	810 LUM AVE, WATERLOO, WI 53594-1157
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001449256
Date	Jul 27, 2021
Instrument	1449256

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	810 LUM AVE, WATERLOO, WI 53594-1157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001397068
Date	May 24, 2018
Instrument	1397068

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	810 LUM AVE, WATERLOO, WI 53594-1157
Document Number	0001394794
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	810 LUM AVE WATERLOO WI 535941157, WATERLOO, WI 53594-1157

Mortgage

Document Number	0001394794
Date	Mar 23, 2018
Instrument	1394794

Lender

Name	UW CU
Type	Credit Union
Address	MADISON, WI 53744

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,427.00 (+13.46%) Homeowner's exemption	$296,200 (+24.66%) Land $58,500 Building $237,700	$326,900
2023	$4,783.00 Homeowner's exemption	$237,600 Land $47,500 Building $190,100

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 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
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

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 95% of the US · lower than 88% 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	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
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. The service area is an EPA estimate; the actual supplier may differ.

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	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

Nearby Properties on Lum Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures