822 Lum Ave, Waterloo, WI 53594 Property Records

Jefferson County property record for 822 Lum Ave, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Apr 2018)
Tax Bill	$4,978 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0523-028`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0523-028`

Exterior

Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	822 LUM AVE
City	WATERLOO
State	WI
Zip	53594-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, PARK HILLS
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	PARK HILLS
Legal Lot Number	10
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2016
Census Tract	100400

Owner

822 Lum Ave 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	822 LUM AVE, WATERLOO, WI 53594-1157
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
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Apr 16, 2018	Warranty Deed, Transfer SUMMIT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2018 · Amount on File
Deed Sale	Apr 16, 2018 · Amount on File
Prior Sale	Apr 16, 2018
Deed Document Number	1395627
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	822 LUM AVE, WATERLOO, WI 53594-1157
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001445712
Date	May 21, 2021
Instrument	1445712

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 16, 2018
Property Address	822 LUM AVE, WATERLOO, WI 53594-1157
Document Number	0001395627
Instrument Date	Apr 13, 2018
Instrument	1395627
Transaction Type	Transfer
Record Updated	May 7, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 LUM AVE WATERLOO WI 535941157, WATERLOO, WI 53594-1157

Mortgage

Document Number	1395628
Date	Apr 16, 2018
Instrument	1395628

Lender

Name	SUMMIT CU
Address	4800 AMERICAN PKWY, MADISON, WI 53718-8308

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 822 Lum Ave was $4,978 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	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,978.00 Homeowner's exemption	$271,700 Land $57,000 Building $214,700	$299,800
2023	$4,311.00 Homeowner's exemption	$214,500 Land $46,000 Building $168,500

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

Flood

FEMA maps place 822 Lum Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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
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

Wildfire risk around 822 Lum Ave is low, with 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 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.

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