818 E Cady St, Watertown, WI 53094 Property Records

Jefferson County property record for 818 E Cady St, Watertown, WI 53094

Property Summary

Property Type	Single Family Home
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Last Sale	$161,000 (Apr 2018)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`291-0815-0411-134`

Property Details

APN / Parcel Number

Primary APN	`291-0815-0411-134`
Alternative APN	`29154010001000`

Exterior

Lot Area	9,801 sqft (0.225 acres)

Location & Zoning

Old Parcel Number	29154010001000
Street Address	818 E CADY ST
City	WATERTOWN
State	WI
Zip	53094-3910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT 75/11TH WARD. EX W64FT.
Legal Range	15E
Legal Township	08N
Legal Section	04
Legal Quarter	NE
Quarter-Quarter Section	NE
Legal Subdivision	ELEVENTH
Legal Lot Number	75
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4007
Census Tract	100200

Owner

818 E Cady St is owned and occupied by two individuals who bought it in April 2018.

Source: Jefferson County records, as of February 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	818 E CADY ST, WATERTOWN, WI 53094-3910
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
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 22, 2020	Deed of Trust, Mortgage QUICKEN LNS
May 23, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Apr 12, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2018 · Amount on File
Deed Sale	Apr 12, 2018 · Amount on File
Prior Sale	Oct 20, 2016
Deed Document Number	1395489
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	818 E CADY ST, WATERTOWN, WI 53094-3910
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461389
Date	Apr 18, 2022
Instrument	1461389

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	818 E CADY ST, WATERTOWN, WI 53094-3910
Document Number	0001428566
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 E CADY ST WATERTOWN WI 530943910, WATERTOWN, WI 53094-3910

Mortgage

Document Number	0001428566
Date	Jul 27, 2020
Instrument	1428566

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	818 E CADY ST, WATERTOWN, WI 53094-3910
Document Number	0001409521
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 E CADY ST WATERTOWN WI 530943910, WATERTOWN, WI 53094-3910

Mortgage

Document Number	0001409521
Date	May 30, 2019
Instrument	1409521

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 29, 2044

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 12, 2018
Property Address	818 E CADY ST, WATERTOWN, WI 53094-3910
Document Number	0001395489
Instrument Date	Apr 6, 2018
Instrument	1395489
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	FRONTIER TITLE AND CLOSING SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$483.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 E CADY ST WATERTOWN WI 530943910, WATERTOWN, WI 53094-3910

Mortgage

Document Number	1395490
Date	Apr 12, 2018
Instrument	1395490

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 818 E Cady St was $4,204 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of May 31, 2025

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	$4,204.00 Homeowner's exemption	$256,200 Land $50,400 Building $205,800	$256,700
2023	$3,692.00	$208,600 Land $44,400 Building $164,200

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

Flood

FEMA maps place 818 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

Wildfire risk around 818 E Cady St 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 98% of the US · lower than 94% 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	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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