945 Watson St, Ripon, WI 54971 Property Records

Fond Du Lac County property record for 945 Watson St, Ripon, WI 54971

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,136 sqft · built 1957
Lot Size	0.196 acres (8,538 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2025)
Tax Bill	$2,810 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`RIP-16-14-99-PR-160-00`

Property Details

APN / Parcel Number

Primary APN	`RIP-16-14-99-PR-160-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	1,136 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	14.2 ft deep x 6 ft wide
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	945 WATSON ST
City	RIPON
State	WI
Zip	54971-1760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8
Legal Description	S28 T16N R14E PRATT'S SUBDIVISION PT OF LOTS 14 & 16 BLK 1 COM AT PT ON W LI LOT 39 180' N OF SW COR SD LOT 39 ETC AS REC
Legal Range	14E
Legal Township	16N
Legal Section	28
Legal Subdivision	PRATTS SUBDIVISION
Legal Block	1
Legal Lot Number	39
Jurisdiction	FOND DU LAC WI
Township / Civil Division	RIPON
Census Block Group	3
Census Block	3013
Census Tract	41600

Owner

945 Watson St is owned and occupied by an individual who bought it in June 2025.

Source: Fond Du Lac County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	945 WATSON ST, RIPON, WI 54971-1760
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
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
May 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERVE A CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2025 · Amount on File
Deed Sale	Jun 30, 2025 · Amount on File
Prior Sale	Jul 1, 2009 · Amount on File
Deed Document Number	20251210461
Prior Transfer Date	Mar 18, 2009
Prior Transfer Doc	0000934768
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	945 WATSON ST, RIPON, WI 54971-1760
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 WATSON ST, RIPON, WI 54971-1760
Investor	Possibly a Property Investor

Mortgage

Document Number	0001220246
Date	Mar 4, 2026
Instrument	1220246

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOND DU LAC WI
Property Address	945 WATSON ST, RIPON, WI 54971-1760
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001182882
Date	May 2, 2023
Instrument	1182882

Lender

Name	VERVE A CU
Type	Credit Union
Address	OSHKOSH, WI 54903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jun 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 945 Watson St was $2,810 with a homeowner's exemption.

Source: Fond Du Lac County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Fond Du Lac County
Municipality	Ripon City
Unified School District	Ripon Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,810.00	$107,800 Land $18,500 Building $89,300	$166,264 Land $28,533 Building $137,731
2023	$2,533.00 Homeowner's exemption	$107,800 Land $18,500 Building $89,300	$126,644 Land $21,734 Building $104,910

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

Flood

FEMA maps place 945 Watson St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 945 Watson St 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	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	RIPON WATER UTILITY serves 7,716 people · EPA ID WI4200476
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Bertram Communications Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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