865 Clover Ln, Oregon, WI 53575 Property Records

Dane County property record for 865 Clover Ln, Oregon, WI 53575

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,200 sqft · built 1977
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2008)
Tax Bill	$5,899 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0509-123-6535-6`

Property Details

APN / Parcel Number

Primary APN	`0509-123-6535-6`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Wood
Lot Area	13,199 sqft (0.303 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	865 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 15 BLOCK 3
Legal Range	09
Legal Township	05
Legal Section	12
Legal Subdivision	HILLVIEW HEIGHTS SECOND ADDITION
Legal Block	3
Legal Lot Number	15
Jurisdiction	DANE WI
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1017
Census Tract	12501

Owner

865 Clover Ln is owned and occupied by an individual who acquired it in November 2025.

Source: Dane County records, as of January 22, 2026

Owner of Record	Individual Name on File
Mailing Address	865 CLOVER LN, OREGON, WI 53575-1601
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 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DANE COUNTY CU
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage DANE COUNTY CU
Aug 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND CU
Mar 24, 2025	Deed of Trust, Mortgage · FHA Mortgage MORTGAGEPROS LLC
Nov 21, 2025	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 14, 2020	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING INC
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2008 · Amount on File
Deed Sale	Apr 14, 2008 · Amount on File
Prior Sale	Feb 24, 2025
Deed Document Number	0004419246
Last Transfer Date	Nov 21, 2025
Transfer Doc	0006065356
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005732796
Date	May 25, 2021
Instrument	5732796

Lender

Name	DANE COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 24, 2031

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005811928
Date	Feb 14, 2022
Instrument	5811928

Lender

Name	DANE COUNTY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 13, 2032

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005917117
Date	Aug 7, 2023
Instrument	5917117

Lender

Name	HEARTLAND CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 6, 2028

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006017168
Date	Mar 24, 2025
Instrument	6017168

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2055

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DANE WI
Recording Date	Nov 21, 2025
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Document Number	0006065356
Instrument Date	Oct 20, 2025
Instrument	6065356
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	865 CLOVER LN, OREGON, WI 53575-1601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 CLOVER LN, OREGON, WI 53575-1601

Mortgage

Document Number	0006065357
Date	Nov 21, 2025
Instrument	6065357

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005555883
Date	Jan 14, 2020
Instrument	5555883

Lender

Name	SYNERGY ONE LENDING INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DANE WI
Property Address	865 CLOVER LN, OREGON, WI 53575-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005658245
Date	Nov 5, 2020
Instrument	5658245

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 865 Clover Ln was $5,899 with a homeowner's exemption, up 9.4% from the year before.

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	$5,899.00 (+9.44%) Homeowner's exemption	$411,800 (+23.07%) Land $58,200 Building $353,600	$395,000 (+10.18%)
2024	$5,390.00 Homeowner's exemption	$334,600 (+0.84%) Land $56,000 Building $278,600	$358,500 (+5.22%)
2023		$331,800 Land $56,000 Building $275,800	$340,700
2022	$5,134.00

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

Flood

FEMA maps place 865 Clover Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 865 Clover Ln 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 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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