Decatur Pine Condos
N4142 Pine St, Brodhead, WI, 53520
Solid, with items to review
Flood-claim history is the main driver — $31K paid across 3 claims in ZIP 53520.
Based on 6 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Homes, Stories, Year built, Management.
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Flood zone at this address
This zone is outside the high-risk flood area, so flood insurance is usually optional. Mapped by FEMA's National Flood Hazard Layer at this building's location. FEMA NFHL
Recorded sales in this building
County public records — every row carries its official book/page or instrument numberFewer than 3 arm's-length sales recorded in the trailing 24 months — below our Grade C threshold, so no summary range is shown. The recorded sales we do hold are listed below. Why we won't estimate from thin data →
| Sale date | Recorded price | Unit | Qualification | Official record | Parcel / folio |
|---|---|---|---|---|---|
| May 2025 | $195,000 | — | Arm’s-length | Inst 635134 | 23012 0234.0400 |
| Aug 2024 | $199,000 | — | Arm’s-length | Inst 631050 | 23012 0234.0200 |
| Jul 2024 | $199,000 | — | Arm’s-length | Inst 630349 | 23012 0234.0300 |
Source: WI DOR RETR Historic 2026May; file=RETRHistoricalReport_2026May.csv; property_use_type=Single family (Class 1); grantor_grantee_relationship=No relationship; conveyance_type=Sale; document_type=Warranty deed; https://tap.revenue.wi.gov/RETRHistoric; parcel_match=WI Statewide Parcel Map Initiative V12 (GeoData@Wisconsin/DOA); parcel_id=2301202340400; retrieved_at=2026-07-31; https://www.sco.wisc.edu/parcels/data — recorded transfers, Green County. Qualification per the county's sale-qualification coding; non-arm's-length transfers (family deeds, foreclosures, quitclaims) are excluded from the summary tiles above.
This is an opinion of value, not an appraisal. CondoScores Value Opinion is a computer-generated estimate built from public sales records, tax-roll data, and government price indexes. It has not been prepared by a licensed or certified real estate appraiser, does not comply with the Uniform Standards of Professional Appraisal Practice (USPAP), and no one has physically inspected this unit's interior. It is not a substitute for an appraisal, a broker price opinion, or a comparative market analysis prepared by a licensed real estate professional, and it may not be used as the primary basis for a mortgage credit decision. Actual sale price will depend on interior condition, negotiation, financing, and market conditions on the day of sale — factors this estimate cannot see. Every number on this page links to its public-record source; nothing here is guaranteed, warranted, or predictive of a specific outcome.
Know the risks before you buy
Natural-hazard profile — Green County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $17.8M per year across Green County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 53520
Federal flood insurance has paid $31K across 3 claims in this ZIP code since 2008. The worst year was 2008 ($31K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Wisconsin average: $325/yr for a condo unit-owner (HO-6) policy — 43% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Wisconsin average $984/yr across 10,813 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
Insurance market in Wisconsin
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Decatur Pine Condos report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Wisconsin market rules
- Recorded sales on file for this building
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Wisconsin: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
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