845 Clover Ln, Oregon, WI 53575 Property Records

Dane County property record for 845 Clover Ln, Oregon, WI 53575

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,120 sqft · built 1977
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,064 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2024 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0509-123-6513-2`

Property Details

APN / Parcel Number

Primary APN	`0509-123-6513-2`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,120 sqft Living Area
1st Floor Area	1,420 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Brick/Stone
Lot Area	13,199 sqft (0.303 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	845 CLOVER LN
City	OREGON
State	WI
Zip	53575-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLVIEW HEIGHTS SECOND ADDITION LOT 13 BLOCK 3
Legal Range	09
Legal Township	05
Legal Section	12
Legal Subdivision	HILLVIEW HEIGHTS SECOND ADDITION
Legal Block	3
Legal Lot Number	13
Jurisdiction	DANE WI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1017
Census Tract	12501

Owner

Source: Dane County records, as of January 22, 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
Co-owner	Co-owner on Record
Mailing Address	845 CLOVER LN, OREGON, WI 53575-1601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Feb 20, 2024	Transfer on Death Deed, Transfer
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
May 15, 2017	Deed of Trust, Mortgage · Line of Credit SUMMIT CU
Feb 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Apr 8, 2020	Deed of Trust, Mortgage · Line of Credit SUMMIT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005956514
Date	Apr 15, 2024
Instrument	5956514

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2054

February 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DANE WI
Recording Date	Feb 20, 2024
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Document Number	0005947577
Instrument Date	Feb 5, 2024
Instrument	5947577
Transaction Type	Transfer
Record Updated	Mar 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005822585
Date	Mar 30, 2022
Instrument	5822585

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2052

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005772916
Date	Sep 22, 2021
Instrument	5772916

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	1-Year CMT

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005325146
Date	May 15, 2017
Instrument	5325146

Lender

Name	SUMMIT CU
Type	Credit Union
Address	MADISON, WI 53718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005305174
Date	Feb 9, 2017
Instrument	5305174

Lender

Name	SUMMIT CU
Type	Credit Union
Address	MADISON, WI 53708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	845 CLOVER LN, OREGON, WI 53575-1601
Document Number	0005577494
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	845 CLOVER LN OREGON WI 535751601, OREGON, WI 53575-1601

Mortgage

Document Number	0005577494
Date	Apr 14, 2020
Instrument	5577494

Lender

Name	SUMMIT CU
Address	COTTAGE GROVE, WI 53527

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Dane County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Dane County
Municipality	Oregon Village
Unified School District	Oregon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,064.00 (+9.68%) Homeowner's exemption	$422,700 (+18.9%) Land $58,200 Building $364,500	$405,500 (+11.07%)
2023		$355,500 (+10.37%) Land $56,000 Building $299,500	$365,100 (+11.99%)
2022	$5,529.00 Homeowner's exemption	$322,100 Land $56,000 Building $266,100	$326,000

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 September 20, 2026 · 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	4 in force

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 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 0.01% 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	OREGON WATERWORKS serves 11,200 people · EPA ID WI1130251
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	5 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	None 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Four Lakes Broadband, LiteWire.

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