1207 Oak St, Beloit, WI 53511 Property Records

Rock County property record for 1207 Oak St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 695 sqft · built 1870
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jun 2026)
Tax Bill	$1,195 (2025)
Deeds & Mortgages	Jul 2007 Mortgage Apr 2008 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`206 12651770`

Property Details

APN / Parcel Number

Primary APN	`206 12651770`
Alternative APN	`12651770`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Building Area	695 sqft Living Area

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Metal
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	206 12651770
Street Address	1207 OAK ST
City	BELOIT
State	WI
Zip	53511-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 11 B 19 DOWS ADD
Legal Subdivision	DOWS ADD
Legal Lot Number	11
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	2
Census Block	2014
Census Tract	1700

Owner

Source: Rock County records, as of June 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1207 OAK ST, BELOIT, WI 53511-4308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2007	Deed of Trust, Mortgage FIRST AMERICAN CU
Apr 10, 2008	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN CU
Jun 11, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage EDUCATORS CREDIT UNION
Apr 30, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Oct 2, 2014	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Jan 31, 2025 · Amount on Record
Deed Document Number	20262311500
Record Updated	Oct 29, 2026

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001798038
Date	Jul 10, 2007
Instrument	1798038

Lender

Name	FIRST AMERICAN CU
Address	BELOIT, WI 53511

Agreement

Amount	Amount Recorded

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001827014
Date	Apr 10, 2008
Instrument	1827014

Lender

Name	FIRST AMERICAN CU
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2033

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001980522
Date	Jun 11, 2013
Instrument	1980522

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2043

Interest

Rate Type	Adjustable Rate

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jun 8, 2026
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Document Number	0002311500
Instrument Date	Jun 5, 2026
Instrument	20262311500
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 OAK ST, BELOIT, WI 53511-4308

Mortgage

Document Number	0002311501,
Date	Jun 8, 2026
Instrument	20262311501

Lender

Name	EDUCATORS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK WI
Recording Date	Apr 30, 2018
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Document Number	0002101846
Instrument Date	Apr 27, 2018
Instrument	2101846
Transaction Type	Transfer
Record Updated	Mar 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
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	1207 OAK ST, BELOIT, WI 53511-4308

Mortgage

Document Number	0002101847
Date	Apr 30, 2018
Instrument	2101847

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

October 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Oct 2, 2014
Property Address	1207 OAK ST, BELOIT, WI 53511-4308
Document Number	0002012650
Instrument Date	Sep 29, 2014
Instrument	2012650
Transaction Type	Transfer
Record Updated	Mar 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.50
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	8248 DOUGLAS AVE, SOUTH BELOIT, IL 61080-9560
Investor	Possibly a Property Investor

Mortgage

Document Number	0002012651
Date	Oct 2, 2014
Instrument	2012651

Lender

Name	COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial 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	$1,195.00 (+30.6%) Homeowner's exemption	$82,900 (+22.81%) Land $9,300 Building $73,600	$91,000 (+18.49%)
2023	$915.00 Homeowner's exemption	$67,500 Land $9,300 Building $58,200	$76,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 322 locations within half a mile, as of December 31, 2025

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

May also be available: LiteWire.

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