960 Lum Ave, Waterloo, WI 53594 Property Records

Jefferson County property record for 960 Lum Ave, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.261 acres (11,369 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Nov 2018)
Tax Bill	$4,634 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0522-046`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0522-046`

Exterior

Lot Area	11,369 sqft (0.261 acres)

Location & Zoning

Street Address	960 LUM AVE
City	WATERLOO
State	WI
Zip	53594-1190
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45, JAYSTONE TERRACE II
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Subdivision	JAYSTONE TERRACE II SUBDIVISION
Legal Lot Number	45
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2016
Census Tract	100400

Owner

Source: Jefferson County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	960 LUM AVE, WATERLOO, WI 53594-1190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit UW CREDIT UNION
Mar 27, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF WISCONSIN CU
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Nov 8, 2018	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP
May 4, 2017	Special Warranty Deed, Transfer
Jan 25, 2017	Grant Deed, Foreclosure SERVICELINK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on Record
Deed Sale	Nov 8, 2018 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Document Number	20181403387
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Recording Date	Aug 7, 2026
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Document Number	0001510489
Instrument Date	Jul 24, 2026
Instrument	20261510489
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 LUM AVE, WATERLOO, WI 53594-1190

Mortgage

Document Number	0001510489,
Date	Aug 7, 2026
Instrument	20261510489

Lender

Name	UW CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001472478
Date	Mar 27, 2023
Instrument	1472478

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2053

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001411067
Date	Jul 8, 2019
Instrument	1411067

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Nov 8, 2018
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Document Number	0001403387
Instrument Date	Nov 6, 2018
Instrument	1403387
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
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	960 LUM AVE, WATERLOO, WI 53594-1190

Mortgage

Document Number	0001403388
Date	Nov 8, 2018
Instrument	1403388

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	May 4, 2017
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Document Number	0001382114
Instrument Date	Apr 24, 2017
Instrument	1382114
Transaction Type	Transfer
Record Updated	Mar 10, 2022

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

January 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jan 25, 2017
Property Address	960 LUM AVE, WATERLOO, WI 53594-1190
Document Number	0001378420
Instrument Date	Jun 28, 2016
Instrument	1378420
Transaction Type	Foreclosure
Record Updated	Feb 13, 2017
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,634.00 (+30.68%) Homeowner's exemption	$252,900 (+42.88%) Land $53,000 Building $199,900	$279,100
2023	$3,546.00 Homeowner's exemption	$177,000 Land $43,000 Building $134,000

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 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 Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 94% 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	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 104 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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