$465,000
SOLD JUN 15, 2026
6 Beds
2 Baths
2,378 Sq Ft
1 Acre Lot

Sale Details

Date Sold: June 15, 2026

$196 Per Sq Ft

14% Below List Price

210 Days on Market

Highlights

  • 100 Feet of Waterfront
  • Deck
  • Lower Floor Utility Room
  • 1 Acre Lot
  • Raised Ranch Architecture
  • Fenced Yard

About This Home

As of June 2026

Welcome to 637 E. Clay Street in Whitewater, Wisconsin — a spacious and well-maintained split-level property offering comfort, functionality, and modern updates in a convenient location. This versatile home provides ample room for a variety of lifestyles, featuring 6 bedrooms and 2 full bathrooms, with plenty of space for living, working, and entertaining. The main level features an inviting living room with abundant natural light, creating a warm and welcoming atmosphere. A thoughtfully designed kitchen offers generous cabinetry and workspace, while the adjoining dining area provides easy access to the backyard — ideal for everyday meals or hosting gatherings. The lower level expands your living options with a flexible layout perfect for a recreation room, media space, or home office setup. With multiple bedrooms, this property offers room for guests, hobbies, or multi-purpose living without sacrificing comfort or privacy. Recent updates add peace of mind and curb appeal, including refreshed flooring, updated windows, newer siding, and a recently replaced roof. These thoughtful enhancements make the home move-in ready while leaving opportunities for personal touches and future customization. Outdoor features include a private backyard with space for gardening, fenced in yard with 3 gates, outdoor seating, or seasonal activities, as well as a spacious attached two-car garage and a paved driveway for additional parking. Located in a desirable residential area, this home offers easy access to many local amenities. Parks, schools, and Whitewater’s vibrant downtown — with shops, restaurants, and entertainment — are just minutes away. Recreational opportunities abound nearby, from lakefront activities to scenic trails and community events. Whether you’re searching for a primary residence, an investment property, or a home with flexible space to fit changing needs, this home delivers comfort, convenience, and value. Its combination of size, layout, and location makes it a standout opportunity in today’s market. **Key Features:** • 6 bedrooms and 2 full bathrooms • Spacious main-level living area with abundant natural light • Functional kitchen with ample cabinetry and adjacent dining area • Flexible lower-level space for recreation, office, or hobbies • Updated flooring, windows, siding, and newer roof • Private backyard with space for outdoor enjoyment, fenced in yard with 3 gates • Attached two-car garage and paved driveway • Convenient location near parks, schools, shops, dining, and recreation Don’t miss your chance to make this property yours. Schedule a private showing and experience all that this home and its surrounding community have to offer.

Last Agent to Sell the Property

CHAD NELSON

REAL BROKER LLC License #82330-94 Listed on: 10/02/2025

REAL BROKER LLC

Last Buyer's Agent

AGENT NON-MLS

NON-MLS OFFICE

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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List Price
Sold Price
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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,499

Year Built

  • Built in 1988

Lot Details

  • 1 Acre Lot
  • 100 Feet of Waterfront
  • Lake Front
  • Fenced Yard

Home Design

  • Raised Ranch Architecture
  • Bi-Level Home
  • Poured Concrete
  • Shingle Roof
  • Vinyl Siding
  • Stone Exterior Construction

Interior Spaces

  • Lower Floor Utility Room
  • Luxury Vinyl Plank Tile Flooring

Kitchen

  • Electric Oven or Range
  • Range
  • Freezer

Bedrooms and Bathrooms

  • 6 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Dryer
  • Washer

Finished Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Basement Windows

Home Security

  • Carbon Monoxide Detectors
  • Fire and Smoke Detector

Parking

  • 2 Car Attached Garage
  • Basement Garage
  • Garage Door Opener
  • Driveway

Outdoor Features

  • Deck
  • Patio
  • Storage Shed

Utilities

  • Forced Air Heating and Cooling System
  • Humidifier
  • Natural Gas Water Heater
  • Water Purifier
  • Water Softener is Owned
  • Public Septic
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number A161200002

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,499

Year Built

Built in 1988

Lot Details

1 Acres

Listing Details

  • Class: Residential
  • Municipality: Whitewater, City Of
  • Style: Raised Ranch
  • Style2: Bi Level/Raised
  • Type: Single Family
  • Year Built: 1988
  • Geo Subdivision: WI
  • List Price/ Sq Ft: 195.54
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Total Finished Sq Ft: 2378
  • Bedroom 1: Size: 13x13, On Level: M
  • Above Grade Finished Sq Ft: 1251-1500
  • Above Grade Finished Sq Ft: 1286
  • Appliances: Refrigerator, Range, Washer, Dryer, Water Softener - Owned, Humidifier, Freezer, Oven/Range-Electric, Water Purifier
  • Basement: Finished, Full, Poured, Walk Out/Outer Door, Full Size Windows, Laundry Hookups
  • Bedroom 2: Size: 12x11, On Level: L
  • Bedroom 3: Size: 12x11, On Level: L
  • Bedroom 4: Size: 12x11, On Level: L
  • Bedroom 5: Size: 11x11, On Level: L
  • Bedrooms: 6
  • Below Grade Finished Sq Ft: 1092
  • Dining Room: Size: 15x10, On Level: M
  • Family Room: Size: 22x14, On Level: L
  • Flooring Type: Luxury Vinyl Plank
  • Level 1 Full Bathroom: Main
  • Level 2 Full Bathroom: Lower
  • Interior: Smoke Detector, G. Door Opener, Cable Hookup, High Speed Internet, Carbon Monoxide Detector
  • Kitchen: Size: 20x10, On Level: M
  • Living Room: Size: 25x12, On Level: M
  • Full Bathrooms: 2
  • Half Bathrooms: 0
  • Other Room1: Bedroom, Dimensions: 11x10, On Level: M
  • Total Finished Sqft Range: 2001-2500
  • Basement 2: Yes

Exterior Features

  • Exterior: Vinyl, Stone
  • Ext Features: Deck, Patio, Fenced Yard, Storage/Garden Shed
  • Roof: Shingle
  • Waterfront: Yes
  • Waterfront Frontage: approx 100 ft
  • Waterfront Type: Lake
  • Water Features: No Motor Lake, No Wake Lake

Garage/Parking

  • Driveway: Blacktop/Asphalt
  • Garage Capacity: 2
  • Garage Type: Attached, Basement Access, Keyless Entry

Utilities

  • Cooling: Central
  • Fuel Type: Natural Gas
  • Heat Type: Forced Air
  • Sewer/Septic System: City
  • Sewer Water: Pb Sewer/Pb Water
  • Utility Laundry: Lower Level Utility
  • Water Heater: Natural Gas

Lot Info

  • Acreage: 1
  • Zoning: Residential
  • Geo Address Line: 637 E Clay St
  • Geo Primary City: Whitewater
  • Geo Quality: 0.95

Tax Info

  • Tax Amount: 4,499.07
  • Assessor Parcel Number: A161200002
  • Tax Year: 2024

3D Interior and Exterior Tours

Floorplans

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 2, 2025
Closed on
Jun 15, 2026
Sold by
Bought by
Seller's Agent
CHAD NELSON
REAL BROKER LLC
Buyer's Agent
AGENT NON-MLS
NON-MLS OFFICE
List Price
$540,000
Sold Price
$465,000
Premium/Discount to List
-$75,000
-13.89%
Views
2740

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-5.67%
Original Mortgage
$315,000
Outstanding Balance
$315,000
Interest Rate
6.36%
Mortgage Type
New Conventional
Estimated Equity
$144,876

Purchase Details

Closed on
May 10, 2019
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$234,650
Interest Rate
4%
Mortgage Type
New Conventional

Purchase Details

Closed on
May 7, 2009
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$257,936
Interest Rate
4.9%
Mortgage Type
FHA
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Agents Specializing in Whitewater, WI

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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $465,000 First American Mortgage Soluti
Warranty Deed $247,000 None Available
Quit Claim Deed -- Nations Title Agency Of Minn
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $315,000 New Conventional
Previous Owner $234,650 New Conventional
Previous Owner $160,000 New Conventional
Previous Owner $257,936 FHA
Previous Owner $230,000 New Conventional
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
06/15/2026 06/15/26 Sold $465,000 -1.9% $196 / Sq Ft
04/15/2026 04/15/26 Price Changed $474,000 -5.2% $199 / Sq Ft
02/02/2026 02/02/26 Price Changed $500,000 -2.9% $210 / Sq Ft
10/31/2025 10/31/25 Price Changed $515,000 -4.6% $217 / Sq Ft
10/02/2025 10/02/25 For Sale $540,000 -- $227 / Sq Ft
Source: Central Wisconsin Multiple Listing Service

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,281 $335,900 $55,600 $280,300
2024 $4,499 $313,200 $55,600 $257,600
2023 $4,300 $281,800 $55,600 $226,200
2022 $4,137 $244,800 $55,600 $189,200
2021 $4,287 $225,900 $55,600 $170,300
2020 $4,002 $205,900 $55,600 $150,300
2019 $3,720 $191,800 $55,600 $136,200
2018 $3,564 $183,500 $55,600 $127,900
2017 $3,509 $183,500 $55,600 $127,900
2016 $3,598 $181,700 $55,600 $126,100
2015 $3,619 $181,700 $55,600 $126,100
2014 $3,569 $177,000 $55,600 $121,400
2013 $3,569 $174,200 $55,600 $118,600
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Central Wisconsin Multiple Listing Service

MLS Number: 22504708

Central Wisconsin Multiple Listing Service

APN: /A161200002

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