1045 Oak St, Beloit, WI 53511 Property Records

Rock County property record for 1045 Oak St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1895
Lot Size	0.148 acres (6,447 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Apr 2022)
Tax Bill	$1,336 (2025)
Deeds & Mortgages	Nov 2006 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`206 13581670`

Property Details

APN / Parcel Number

Primary APN	`206 13581670`
Alternative APN	`13581670`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,152 sqft Living Area

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Lot Area	6,447 sqft (0.148 acres)

Location & Zoning

Account Number	206 13581670
Street Address	1045 OAK ST
City	BELOIT
State	WI
Zip	53511-5118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/4 L 11 & N 1/2 L 12 B 2 HOPKINS ADD
Legal Subdivision	HOPKINS ADD
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	2
Census Block	2030
Census Tract	1700

Owner

Source: Rock County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	9103 COUNTY ROAD Y, SAUK CITY, WI 53583-9580
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2006	Deed of Trust, Mortgage · ARM CSMC INC
Apr 21, 2022	Special Warranty Deed, Transfer · Conventional Mortgage WISCONSIN RIVER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Deed Document Number	202216510
Record Updated	Jun 8, 2026

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1045 OAK ST, BELOIT, WI 53511-5118
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001770568
Date	Nov 7, 2006
Instrument	1770568

Lender

Name	CSMC INC
Address	BARABOO, WI 53913

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2036
Prepayment Penalty	24 Months

Interest

Rate Type	Adjustable Rate
Rate	8.73%
Type Change Date	Dec 1, 2008
Change Frequency	6 Months
Min Rate At Change	5.73%
Max Rate At Change	11.7%
Index	6-Month LIBOR
Max Rate	14.7%

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Apr 21, 2022
Property Address	1045 OAK ST, BELOIT, WI 53511-5118
Document Number	0002216510
Instrument Date	Mar 23, 2022
Instrument	2216510
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	BOSTON NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9103 COUNTY ROAD Y, SAUK CITY, WI 53583-9580

Mortgage

Document Number	0002216511
Date	Apr 21, 2022
Instrument	2216511

Lender

Name	WISCONSIN RIVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Rock County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
Municipality	Beloit City
County	Rock County
Unified School District	Beloit School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,336.00 (+29.46%)	$82,800 (+24.51%) Land $9,500 Building $73,300	$90,900 (+20.24%)
2023	$1,032.00	$66,500 Land $9,500 Building $57,000	$75,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BELOIT serves 36,677 people · EPA ID WI1540112
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	5 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 795 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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