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Single Family ResidenceResidential
$24,177
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 68How 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

397 RIVER DR

WATERTOWN, WI 53094
0
Baths
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$24K
$16K low$32K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.140%
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.$18,700
EDUCATORS CU · recorded Apr 25, 2007
2nd 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.$12,960
EDUCATORS CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$192 (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.$10,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$15,900

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.120 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 percent flood zone

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 Residence
CountyJefferson
HeatingThe type of heating system in the home.None

Transaction History(1)

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.

E
Lake Mills Elementary SchoolB
Elementary · Grades PK–4 · 5.6 mi
M
Lake Mills Middle SchoolB
Middle · Grades 5–8 · 6.0 mi
H
Lake Mills High SchoolB
High · Grades 9–12 · 6.8 mi

District: Lake Mills Area School District

Neighborhood · ZIP 53094These 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.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.19,781
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.219 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,044
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,401
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

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
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

397 River Dr 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.

  • Among the least valuable homes in Jefferson County
  • Has a smaller lot than 92% of homes in Jefferson County

What homes are worth in Watertown 53094

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

This home
$26K$663K

This home is worth less than almost all homes in Watertown 53094.

How it measures up in Watertown 53094

The dot is this home. The mark in the middle is the typical home in Watertown 53094.

Estimated value$24,177
CheaperTypical $311,683Pricier

Cheaper than almost all homes nearby

Lot size0.12 ac
SmallerTypical 0.25 acBigger

Bigger than 14% of homes nearby

How 397 River Dr ranks against every home in each area.
MeasureThis homeWatertown 53094Jefferson County
Estimated valuepricier than$24,177almost no homesalmost no homes
Lot sizebigger than0.12 ac14% of homes8% of homes

About 397 River Dr

How much is 397 River Dr, Watertown, WI worth?

The TopHap Estimate for 397 River Dr, Watertown, WI is $24,177 as of Jul 14, 2026. The likely range is $16,352 to $32,002. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 397 River Dr, Watertown, WI?

397 River Dr, Watertown, WI is assigned to Lake Mills Elementary School (elementary), rated B; Lake Mills Middle School (middle), rated B; Lake Mills High School (high), rated B. All sit in Lake Mills Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 397 River Dr, Watertown, WI compare to other homes in Watertown 53094?

Among the 6,116 homes in Watertown 53094, it is worth more than almost none of them ($24,177 against a typical $311,683) and its lot is bigger than 14% of them (0.12 ac against a typical 0.25 ac). Measured against all of Jefferson County, it is worth more than almost no 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 397 River Dr, Watertown, WI?

The 2025 property tax bill for 397 River Dr, Watertown, WI was $192. The county assessed it at $10,500.

Closest homes

More homes in Watertown 53094

Assigned schools

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