843 S Monroe St, Waterloo, WI 53594 Property Records

Jefferson County property record for 843 S Monroe St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	8.3 acres (361,548 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jan 2016)
Tax Bill	$8,278 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0741-026`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0741-026`

Exterior

Lot Area	361,548 sqft (8.3 acres)

Location & Zoning

Street Address	843 S MONROE ST
City	WATERLOO
State	WI
Zip	53594-9114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, CSM 5662-32-009, DOC 1362486. SUBJ TO ESMT IN DOC 1405740.
Legal Range	13E
Legal Township	08N
Legal Section	07
Legal Quarter	SE
Quarter-Quarter Section	NE
Legal Subdivision	CERTIFIED SURV MAP #5662
Legal Lot Number	1
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1036
Census Tract	100400

Owner

843 S Monroe St is owned and occupied by two individuals who bought it in January 2016.

Source: Jefferson County records, as of February 16, 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	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	843 S MONROE ST, WATERLOO, WI 53594-9114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage AVESTAR CU
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AVESTAR CU
May 19, 2017	Deed of Trust, Mortgage AVESTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2016 · Amount on File
Deed Sale	Jan 6, 2016 · Amount on File
Prior Sale	Oct 6, 2015 · Amount on File
Deed Document Number	1363292
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	843 S MONROE ST, WATERLOO, WI 53594-9114
Transaction Type	Mortgage
Record Updated	Jan 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001469735
Date	Dec 5, 2022
Instrument	1469735

Lender

Name	AVESTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.8%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	3.8%
Max Rate At Change	7.8%
Index	1-Year CMT
Max Rate	11.8%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	843 S MONROE ST, WATERLOO, WI 53594-9114
Document Number	0001424803
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	843 S MONROE ST WATERLOO WI 535949114, WATERLOO, WI 53594-9114

Mortgage

Document Number	0001424803
Date	May 21, 2020
Instrument	1424803

Lender

Name	AVESTAR CU
Type	Credit Union
Address	WATERLOO, WI 53594

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 20, 2035

Interest

Rate Type	Adjustable Rate
Rate	2.79%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	843 S MONROE ST, WATERLOO, WI 53594-9114
Document Number	0001382912
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	843 S MONROE ST WATERLOO WI 53594, WATERLOO, WI 53594

Mortgage

Document Number	0001382912
Date	May 24, 2017
Instrument	1382912

Lender

Name	AVESTAR CU
Type	Credit Union
Address	WATERLOO, WI 53594

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.35%

Tax Assessment & Valuation

The 2025 property tax bill for 843 S Monroe St was $8,278 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	$8,278.00 Homeowner's exemption	$451,800 Land $77,400 Building $374,400	$493,700
2023	$7,665.00 Homeowner's exemption	$378,700 Land $62,400 Building $316,300

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

Flood

FEMA maps place 843 S Monroe St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	11 (1979–2008)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 10 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 843 S Monroe St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Wisconsin
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 59 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 / 35
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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