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Single Family ResidentialResidential
$306,895
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

128 S RIVER ST

WATERFORD, WI 53185
0
Baths
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$307K
$267K low$347K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$202,251
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$161,801
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.34%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$104,644
ROCKET MORTGAGE LLC · recorded May 20, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,626 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$232,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$177,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$232,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,075

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRacine
Lot (acres)The size of the land the home sits on, from county records.0.20
HeatingThe type of heating system in the home.None

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Waterford High SchoolB
High · Grades 9–12 · 0.3 mi
E
Woodfield Elementary SchoolB-
Elementary · Grades PK–5 · 0.6 mi
M
Fox River Middle SchoolA
Middle · Grades 6–8 · 0.7 mi

District: Waterford Joint No. 1 School District

Neighborhood · ZIP 53185These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.18,722
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.365 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,668
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,927
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

128 S River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Waterford 53185
  • Has a smaller lot than 93% of homes in Waterford 53185

What homes are worth in Waterford 53185

Each bar is how many homes fall in that price range. The marker is this home.

This home
$208K$990K

This home is worth more than 14% of homes in Waterford 53185.

How it measures up in Waterford 53185

The dot is this home. The mark in the middle is the typical home in Waterford 53185.

Estimated value$306,895
CheaperTypical $438,535Pricier

Pricier than 14% of homes nearby

Lot size0.2 ac
SmallerTypical 0.47 acBigger

Bigger than 7% of homes nearby

How 128 S River St ranks against every home in each area.
MeasureThis homeWaterford 53185Racine County
Estimated valuepricier than$306,89514% of homes49% of homes
Lot sizebigger than0.2 ac7% of homes41% of homes

About 128 S River St

How much is 128 S River St, Waterford, WI worth?

The TopHap Estimate for 128 S River St, Waterford, WI is $306,895 as of Jul 14, 2026. The likely range is $267,040 to $346,750. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 128 S River St, Waterford, WI?

128 S River St, Waterford, WI is assigned to Waterford High School (high), rated B; Woodfield Elementary School (elementary), rated B-; Fox River Middle School (middle), rated A. All sit in Waterford Joint No. 1 School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 128 S River St, Waterford, WI compare to other homes in Waterford 53185?

Among the 7,128 homes in Waterford 53185, it is worth more than 14% of them ($306,895 against a typical $438,535) and its lot is bigger than 7% of them (0.2 ac against a typical 0.47 ac). Measured against all of Racine County, it is worth more than 49% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 128 S River St, Waterford, WI?

The 2025 property tax bill for 128 S River St, Waterford, WI was $3,626. The county assessed it at $232,200.

Closest homes

More homes in Waterford 53185

Assigned schools

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