Winnebago County property record for 1020 Gardner St, South Beloit, IL 61080
| Property Type | Commercial |
|---|---|
| Details | 4,800 sqft · built 1948 |
| Lot Size | 3.16 acres (137,650 sqft) |
| Owner | Company Name on File |
| Last Sale | $760,000 (Sep 2008) |
| Tax Bill | $16,577 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 04-05-426-015 |
| Primary APN | 04-05-426-015 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,800 sqft |
|---|
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 137,650 sqft |
| Total Buildings | 4 Buildings |
| Account Number | 005C025A |
|---|---|
| Street Address | 1020 GARDNER ST |
| City | SOUTH BELOIT |
| State | IL |
| Zip | 61080-1411 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | IL |
| Legal Description | PLAT OF S BELOIT IN ROSCOE BEG NE CORLT 22 W 350 FT N 147.93 FT W 232.82 FTS 279.94 FT E 32.85 FT S 32.59 FT SETO S LN VAC CLARK ST E TO A PT 147.16 |
| Legal Subdivision | SOUTH BELOIT |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | ROSCOE |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 4004 |
1020 Gardner St, a commercial property, is owned by a company that bought it in September 2008.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1020 GARDNER ST, SOUTH BELOIT, IL 61080-1411 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2008 · Amount on File |
| Deed Sale | Sep 18, 2008 · Amount on File |
| Deed Document Number | 2008846600 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 1020 GARDNER ST, SOUTH BELOIT, IL 61080-1411 |
| Document Number | 0001038914 |
| Instrument Date | Nov 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1020 GARDNER ST SOUTH BELOIT IL 610801411, SOUTH BELOIT, IL 61080-1411 |
| Document Number | 0001038914 |
|---|---|
| Date | Dec 5, 2017 |
| Instrument | 1038914 |
| Name | BLACKHAWK BK |
|---|---|
| Type | Bank |
| Address | ROCKFORD, IL 61107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1020 Gardner St was $16,577.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Roscoe Township |
| Municipality | South Beloit City |
| Unified School District | County of Winnebago SD 320 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,577.00 | $238,650 Land $41,290 Building $197,360 | $715,950 Land $123,870 Building $592,080 |
| 2022 | $178,816 Land $30,938 Building $147,878 | $536,448 Land $92,814 Building $443,634 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1020 Gardner St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 7 (2013–2019) |
| Most Recent Claim | Oct 2019 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 1020 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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