1051 Oak St, Beloit, WI 53511 Property Records

Rock County property record for 1051 Oak St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1895
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Oct 2017)
Tax Bill	$1,636 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206 13581665`

Property Details

APN / Parcel Number

Primary APN	`206 13581665`
Alternative APN	`13581665`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Metal
Construction Type	Frame
Lot Area	6,447 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	206 13581665
Street Address	1051 OAK ST
City	BELOIT
State	WI
Zip	53511-5118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 3/4 L 11 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

1051 Oak St is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1051 OAK ST, BELOIT, WI 53511-5118
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage EDUCATED MORTGAGE SERVICES LLC
Oct 13, 2017	Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2017 · Amount on File
Deed Sale	Oct 13, 2017 · Amount on File
Prior Sale	Jun 6, 2013 · Amount on File
Deed Document Number	20172089595
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1051 OAK ST, BELOIT, WI 53511-5118
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	IT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002231403
Date	Nov 22, 2022
Instrument	2231403

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1051 OAK ST, BELOIT, WI 53511-5118
Transaction Type	Mortgage
Record Updated	Jan 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2175375
Date	Jan 4, 2021
Instrument	2175375

Lender

Name	EDUCATED MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK WI
Recording Date	Oct 13, 2017
Property Address	1051 OAK ST, BELOIT, WI 53511-5118
Document Number	0002089595
Instrument Date	Oct 9, 2017
Instrument	2089595
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 OAK ST, BELOIT, WI 53511-5118

Mortgage

Document Number	2089596
Date	Oct 13, 2017
Instrument	2089596

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1051 Oak St was $1,636 with a homeowner's exemption.

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	$1,636.00 Homeowner's exemption	$109,300 Land $9,500 Building $99,800	$120,000
2023	$1,312.00 Homeowner's exemption	$92,200 Land $9,500 Building $82,700	$104,900

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

Flood

FEMA maps place 1051 Oak St in Zone X, an area of minimal flood risk.

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

The area around 1051 Oak 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.

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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