N81W6355 Arbor Dr, Cedarburg, WI 53012 Property Records

Ozaukee County property record for N81W6355 Arbor Dr, Cedarburg, WI 53012

Property Summary

Property Type	Single Family Home
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,000 (Oct 2020)
Tax Bill	$5,600 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-137-24-100.00`

Property Details

APN / Parcel Number

Primary APN	`13-137-24-100.00`
Alternative APN	`132995`

Exterior

Lot Area	12,415 sqft (0.285 acres)

Location & Zoning

Account Number	132995
Street Address	N81W6355 ARBOR DR
City	CEDARBURG
State	WI
Zip	53012-1379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1103442 LOT 10 BLK 24 WILLOWBROOKE NO. 10
Legal Subdivision	WILLOWBROOKE
Legal Block	24
Legal Lot Number	10
Jurisdiction	OZAUKEE WI
Township / Civil Division	CEDARBURG
Census Block Group	3
Census Block	3014
Census Tract	650104

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Washington Avenue Historic District listed 1986 · 81 contributing resources · NRIS 86000218

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Ozaukee County records, as of February 13, 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
Mailing Address	N81W6355 ARBOR DR, CEDARBURG, WI 53012-1379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE
Jun 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Oct 9, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	1103442
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OZAUKEE WI
Property Address	N81W6355 ARBOR DR, CEDARBURG, WI 53012-1379
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001125369
Date	Sep 16, 2021
Instrument	1125369

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OZAUKEE WI
Property Address	N81W6355 ARBOR DR, CEDARBURG, WI 53012-1379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001050416
Date	Jun 7, 2017
Instrument	1050416

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2047

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OZAUKEE WI
Property Address	N81W6355 ARBOR DR, CEDARBURG, WI 53012-1379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001078526
Date	Jun 19, 2019
Instrument	1078526

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2049

Interest

Rate Type	Fixed Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OZAUKEE WI
Recording Date	Oct 9, 2020
Property Address	N81W6355 ARBOR DR, CEDARBURG, WI 53012-1379
Document Number	0001103442
Instrument Date	Sep 27, 2020
Instrument	1103442
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$969.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	N81W6355 ARBOR DR CEDARBURG WI 530121379, CEDARBURG, WI 53012-1379

Tax Assessment & Valuation

Source: Ozaukee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Ozaukee County
Municipality	Cedarburg City
Unified School District	Cedarburg School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,600.00 (+12.02%) Homeowner's exemption	$368,700 (-) Land $81,700 Building $287,000	$462,300 (+11.61%)
2023	$4,999.00 Homeowner's exemption	$368,700 Land $81,700 Building $287,000	$414,200

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 August 7, 2024 · 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 92% 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	CEDARBURG L & W COMMISSION serves 12,500 people · EPA ID WI2460108
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	8 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Bertram Communications Fixed Wireless	100 / 20

May also be available: Verizon.

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