975 Pearl St, Waterloo, WI 53594 Property Records

Jefferson County property record for 975 Pearl St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.316 acres (13,765 sqft)
Owner	Individual Name on File
Last Sale	$201,000 (Apr 2017)
Tax Bill	$6,609 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0522-008`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0522-008`

Exterior

Lot Area	13,765 sqft (0.316 acres)

Location & Zoning

Street Address	975 PEARL ST
City	WATERLOO
State	WI
Zip	53594-1186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, JAYSTONE TERRACE.
Legal Range	13E
Legal Township	08N
Legal Section	05
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	JAYSTONE TERRACE
Legal Lot Number	6
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2023
Census Tract	100400

Owner

975 Pearl St is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	975 PEARL ST, WATERLOO, WI 53594-1186
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
Aug 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Apr 10, 2017	Warranty Deed, Transfer · Conventional Mortgage SUMMIT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2017 · Amount on File
Deed Sale	Apr 10, 2017 · Amount on File
Prior Sale	Aug 16, 2006
Deed Document Number	1381088
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	975 PEARL ST, WATERLOO, WI 53594-1186
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001465636
Date	Aug 3, 2022
Instrument	1465636

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	975 PEARL ST, WATERLOO, WI 53594-1186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001435859
Date	Nov 30, 2020
Instrument	1435859

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Apr 10, 2017
Property Address	975 PEARL ST, WATERLOO, WI 53594-1186
Document Number	0001381088
Instrument Date	Apr 6, 2017
Instrument	1381088
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	$603.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 PEARL ST, WATERLOO, WI 53594-1186

Mortgage

Document Number	0001381089
Date	Apr 10, 2017
Instrument	1381089

Lender

Name	SUMMIT CU
Type	Credit Union
Address	MADISON, WI 53708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 975 Pearl St was $6,609 with a homeowner's exemption.

Source: Jefferson County assessment roll, as of May 31, 2025

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	$6,609.00 Homeowner's exemption	$360,700 Land $56,500 Building $304,200	$398,000
2023	$5,400.00 Homeowner's exemption	$267,800 Land $45,500 Building $222,300

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

Flood

FEMA maps place 975 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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

Wildfire risk around 975 Pearl 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	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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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