851 S Monroe St, Waterloo, WI 53594 Property Records

Jefferson County property record for 851 S Monroe St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	12.7 acres (553,212 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Apr 2018)
Tax Bill	$11,274 (2025)
Deeds & Mortgages	Oct 2026 Transfer Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0741-002`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0741-002`

Exterior

Lot Area	553,212 sqft (12.7 acres)

Location & Zoning

Street Address	851 S MONROE ST
City	WATERLOO
State	WI
Zip	53594-9114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, CSM 5662-32-009, DOC 1362486.
Legal Range	13E
Legal Township	08N
Legal Section	07
Legal Subdivision	ASSESSORS PLAT
Legal Lot Number	2
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1036
Census Tract	100400

Owner

851 S Monroe St is owned and occupied by two individuals who acquired it in October 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	851 S MONROE ST, WATERLOO, WI 53594-9114
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
Oct 2, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK
Sep 14, 2020	Deed of Trust, Mortgage FARMERS & MERCHANTS ST BK
Apr 17, 2018	Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Deed Document Number	20181395652
Last Transfer Date	Oct 2, 2026
Transfer Doc	0001512588
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	JEFFERSON WI
Recording Date	Oct 2, 2026
Property Address	851 S MONROE ST, WATERLOO, WI 53594-9114
Document Number	0001512588
Instrument Date	Oct 2, 2026
Instrument	20261512588
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	851 S MONROE ST, WATERLOO, WI 53594-9114
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001417984
Date	Dec 9, 2019
Instrument	1417984

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	851 S MONROE ST, WATERLOO, WI 53594-9114
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001408345
Date	Apr 29, 2019
Instrument	1408345

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	851 S MONROE ST, WATERLOO, WI 53594-9114
Document Number	0001431771
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1851 S MONROE ST WATERLOO WI 53594, WATERLOO, WI 53594

Mortgage

Document Number	0001431771
Date	Sep 18, 2020
Instrument	1431771

Lender

Name	FARMERS & MERCHANTS ST BK
Type	Bank
Address	210 W MADISON ST, WATERLOO, WI 53594-1364

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 17, 2018
Property Address	851 S MONROE ST, WATERLOO, WI 53594-9114
Document Number	0001395652
Map Reference	MB32 PG9 DOC1362486
Instrument Date	Apr 16, 2018
Instrument	1395652
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 GOEHL RD, WATERLOO, WI 53594-2308

Mortgage

Document Number	0001395653
Date	Apr 17, 2018
Instrument	1395653

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 851 S Monroe St was $11,274 with a homeowner's exemption.

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	$11,274.00 Homeowner's exemption	$615,300 Land $100,800 Building $514,500	$675,300
2023	$10,249.00 Homeowner's exemption	$505,200 Land $82,900 Building $422,300

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

Flood

FEMA maps place 851 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 851 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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