After a mortgage has been foreclosed by action and the judgment and costs have been paid and satisfaction of the mortgage entered upon the court record, the clerk of circuit court, on request, shall sign a certificate attesting to those facts, which certificate is entitled to record.
846.25.Discharge after foreclosure.
Ch. 846: Real Estate Foreclosure · Last amended 1995 · Last verified July 15, 2026
In one sentenceSection 846.25 lets a former mortgagor request a clerk-issued, recordable certificate confirming that a foreclosed mortgage was paid in full, the judgment and costs were satisfied, and that satisfaction was entered on the court record.
Full Text of Section 846.25
Official Notes
Cross-reference: For redemption from mortgage foreclosure, prior to sale, see s. 846.13.
Plain-English Summary
Section 846.25 provides the paperwork to close out a foreclosure once everything is resolved. After a mortgage has been foreclosed by action, and the judgment and costs have been paid, and satisfaction of the mortgage has been entered on the court record, the clerk of circuit court will, on request, sign a certificate attesting to those facts.
That certificate is entitled to be recorded, giving anyone checking the property’s title, or the former mortgagor, an official record showing the foreclosure judgment and the mortgage are both fully resolved.
Frequently Asked Questions
How do I get official proof that a foreclosure judgment has been paid off in Wisconsin?
Request a certificate from the clerk of circuit court once the judgment, costs, and satisfaction of the mortgage are all on the court record.
What does the clerk’s certificate under this section confirm?
That the mortgage was foreclosed by action, the judgment and costs were paid, and satisfaction of the mortgage was entered on the court record.
Can this certificate be recorded with the register of deeds?
Yes, the certificate is entitled to record.
Do I have to request the certificate, or does the clerk issue it automatically?
It is issued on request, not automatically.
How is this different from redeeming the property before the sale?
This certificate is issued after the foreclosure and the mortgage’s satisfaction are already complete, while redemption under Section 846.13 happens before the sale.
Amendment History
History: Sup. Ct. Order, 67 Wis. 2d 585, 768 (1975); 1995 a. 224.
Source & verification. Section text and official notes are
reproduced verbatim from the Wisconsin Statutes, published by the
Wisconsin Legislature (Legislative Reference Bureau). Last verified July 15, 2026.
· Official source
Also known as: wisconsin discharge certificate after foreclosure846.25 wisconsin statuteproof mortgage paid off after foreclosure wisconsinclerk certificate foreclosure satisfaction wisconsin