Dane County property record for 976 Carnoustie Way, Oregon, WI 53575
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.414 acres (18,034 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $138,000 (Feb 2018) |
| Tax Bill | $12,748 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2022 Sale + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0509-113-6624-1 |
| Primary APN | 0509-113-6624-1 |
|---|
| Lot Area | 18,034 sqft (0.414 acres) |
|---|
| Street Address | 976 CARNOUSTIE WAY |
|---|---|
| City | OREGON |
| State | WI |
| Zip | 53575-3926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE LEGEND AT BERGAMONT LOT 54 |
| Legal Range | 09 |
| Legal Township | 05 |
| Legal Section | 11 |
| Legal Subdivision | LEGEND/BERGAMONT |
| Legal Block | 66 |
| Legal Lot Number | 54 |
| Jurisdiction | DANE WI |
| Township / Civil Division | OREGON |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 12502 |
Source: Dane County records, as of January 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU |
| Oct 7, 2022 | Beneficiary Deed, Transfer |
| Aug 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OREGON COMMUNITY BANK |
| Mar 7, 2019 | Deed of Trust, Mortgage · Line of Credit UW CU |
| Oct 23, 2018 | Deed of Trust, Mortgage UNIVERSITY/WI CU |
| Feb 16, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage UNIVERSITY/WI CU |
| Feb 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY/WI CU |
| Jun 20, 2017 | Loan Modification, Mortgage · Line of Credit BMO HARRIS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2018 · Amount on Record |
| Deed Sale | Feb 13, 2018 · Amount on Record |
| Deed Document Number | 5389558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Document Number | 0006068224 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 6068224 |
| Name | UNIVERSITY OF WISCONSIN CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53744 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.3% |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Oct 7, 2022 |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Document Number | 0005866942 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 5866942 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005622259 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 5622259 |
| Name | OREGON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Document Number | 0005475447 |
| Instrument Date | Mar 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 976 CARNOUSTIE WAY OREGON WI 535753926, OREGON, WI 53575-3926 |
| Document Number | 0005475447 |
|---|---|
| Date | Mar 18, 2019 |
| Instrument | 5475447 |
| Name | UW CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53744 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DANE WI |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Document Number | 0005451353 |
| Instrument Date | Oct 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 976 CARNOUSTIE WAY OREGON WI 535753926, OREGON, WI 53575-3926 |
| Document Number | 0005451353 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 5451353 |
| Name | UNIVERSITY/WI CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53744-4963 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 29, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Feb 16, 2018 |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Instrument Date | Feb 9, 2018 |
| Instrument | 5390191 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3031 HARTWICKE DR FITCHBURG WI 537116935, FITCHBURG, WI 53711-6935 |
| Document Number | 0005390191 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 5390191 |
| Name | UNIVERSITY/WI CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53744-4963 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 15, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Feb 13, 2018 |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Document Number | 0005389558 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 5389558 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $414.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3031 HARTWICKE DR FITCHBURG WI 537116935, FITCHBURG, WI 53711-6935 |
| Document Number | 5389559 |
|---|---|
| Date | Feb 13, 2018 |
| Instrument | 5389559 |
| Name | UNIVERSITY/WI CU |
|---|---|
| Type | Credit Union |
| Address | MADISON, WI 53744-4963 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.49% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DANE WI |
| Recording Date | Jun 20, 2017 |
| Property Address | 976 CARNOUSTIE WAY, OREGON, WI 53575-3926 |
| Instrument Date | Dec 31, 2016 |
| Instrument | 5334913 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 789 N WATER ST #200 MILWAUKEE WI 532023584, 200, MILWAUKEE, WI 53202-3584 |
| Document Number | 0005334913 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 5334913 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | 770 N WATER ST, MILWAUKEE, WI 53202-0002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 19, 2019 |
| Rate Type | Adjustable Rate |
|---|
Source: Dane County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Dane County |
| Municipality | Oregon Village |
| Unified School District | Oregon School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,748.00 (-0.06%) Homeowner's exemption | $864,300 (+9.6%) Land $124,600 Building $739,700 | $829,100 (+2.37%) |
| 2023 | $788,600 Land $113,100 Building $675,500 | $809,900 | |
| 2022 | $12,756.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 20, 2026
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| TDS Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| LiteWire Fixed Wireless | 100 / 25 |
| Four Lakes Broadband Fixed Wireless | 100 / 20 |
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