1315 Emerson St, Beloit, WI 53511 Property Records

Rock County property record for 1315 Emerson St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,760 sqft · built 1875
Lot Size	0.432 acres (18,818 sqft)
Owner	Trust Name on File
Tax Bill	$2,479 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`206 13620485`

Property Details

APN / Parcel Number

Primary APN	`206 13620485`
Alternative APN	`13620485`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Lot Area	18,818 sqft (0.432 acres)

Location & Zoning

Account Number	206 13620485
Street Address	1315 EMERSON ST
City	BELOIT
State	WI
Zip	53511-5560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 71.38 FT L 3 HINMANS ADD
Legal Subdivision	HINMANS ADD
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	1
Census Block	1028
Census Tract	1900

Owner

1315 Emerson St is owner-occupied and held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION/BELOIT
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLNWAY COMMUNITY BANK
Feb 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 27, 2017	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Recording Date	Apr 24, 2026
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Document Number	0002308250
Instrument Date	Apr 20, 2026
Instrument	20262308250
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	1315 EMERSON ST, BELOIT, WI 53511-5560

Mortgage

Document Number	0002308250,
Date	Apr 24, 2026
Instrument	20262308250

Lender

Name	FIRST COMMUNITY CREDIT UNION/BELOIT

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 30, 2046

Interest

Rate	6.22%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002219214
Date	May 27, 2022
Instrument	2219214

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2052

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2203824
Date	Nov 4, 2021
Instrument	2203824

Lender

Name	LINCOLNWAY COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2121961
Date	Feb 18, 2019
Instrument	2121961

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2029

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2081423
Date	Jun 27, 2017
Instrument	2081423

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 27, 2047

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Apr 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2150270
Date	Mar 25, 2020
Instrument	2150270

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2050

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1315 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Mar 25, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2148565
Date	Mar 2, 2020
Instrument	2148565

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 10, 2030

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1315 Emerson St was $2,479 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	$2,479.00 Homeowner's exemption	$159,700 Land $15,300 Building $144,400	$175,400
2023	$1,919.00 Homeowner's exemption	$130,000 Land $15,300 Building $114,700	$147,900

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

Flood

FEMA maps place 1315 Emerson 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

Wildfire risk around 1315 Emerson St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 355 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: LiteWire.

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