1327 Emerson St, Beloit, WI 53511 Property Records

Rock County property record for 1327 Emerson St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 996 sqft · built 1903
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$86,000 (Jul 2018)
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206 13620495`

Property Details

APN / Parcel Number

Primary APN	`206 13620495`
Alternative APN	`13620495`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	996 sqft Living Area

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Metal
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	206 13620495
Street Address	1327 EMERSON ST
City	BELOIT
State	WI
Zip	53511-5560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 33 FT OF S 132 FT L 4 HINMANS ADD
Legal Subdivision	HINMANS ADD
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	1
Census Block	1028
Census Tract	1900

Owner

1327 Emerson St is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1327 EMERSON ST, BELOIT, WI 53511-5560
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
Feb 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PRAIRIE DU SAC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PRAIRIE DU SAC
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF PRAIRIE DU SAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Aug 22, 2013 · Amount on File
Deed Document Number	20182108848
Prior Transfer Date	Jun 24, 2013
Prior Transfer Doc	0001986504
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1327 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002235326
Date	Feb 6, 2023
Instrument	2235326

Lender

Name	BANK OF PRAIRIE DU SAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 27, 2038

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	10.2%
Index	1-Year CMT
Margin	4
Max Rate	14.2%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1327 EMERSON ST, BELOIT, WI 53511-5560
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002175038
Date	Dec 30, 2020
Instrument	2175038

Lender

Name	BANK OF PRAIRIE DU SAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	Jan 1, 2041

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jul 31, 2018
Property Address	1327 EMERSON ST, BELOIT, WI 53511-5560
Document Number	0002108848
Instrument Date	Jul 27, 2018
Instrument	2108848
Transaction Type	Transfer
Record Updated	Apr 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
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	1327 EMERSON ST, BELOIT, WI 53511-5560

Mortgage

Document Number	0002108849
Date	Jul 31, 2018
Instrument	2108849

Lender

Name	BANK OF PRAIRIE DU SAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1327 Emerson St was $2,173 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	$2,173.00 Homeowner's exemption	$141,400 Land $6,700 Building $134,700	$155,300
2023	$1,487.00 Homeowner's exemption	$103,100 Land $6,700 Building $96,400	$117,300

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

Flood

FEMA maps place 1327 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 1327 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.

Nearby Properties on Emerson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures