1614 Emerson St, Beloit, WI 53511 Property Records

Rock County property record for 1614 Emerson St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,656 sqft · built 1926
Lot Size	3.34 acres (145,621 sqft)
Owner	2 Individual Names on File
Last Sale	$682,400 (Aug 2026)
Tax Bill	$10,132 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`206 13620295`

Property Details

APN / Parcel Number

Primary APN	`206 13620295`
Alternative APN	`13620295`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,656 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	145,621 sqft (3.34 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	206 13620295
Street Address	1614 EMERSON ST
City	BELOIT
State	WI
Zip	53511-5606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPL LAND BEG 116.1 FT W OF NW COR B 5 HILLCREST PK, TH WLY 195 FT, TH SLY 358 FT, TH ELY ALN S BANK MILL RACE TO A PT 116.1
Legal Subdivision	HANCOCK FIELD ADD
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	2
Census Block	2012
Census Tract	1900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Yates, Florence, House listed 1983 · 1 contributing resources · NRIS 83003427

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1614 Emerson St is owned and occupied by two individuals who bought it in August 2026.

Source: Rock County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 15, 2026	Deed of Trust, Mortgage · Construction Mortgage JOHNSON BANK
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit JOHNSON BANK
Apr 21, 2021	Intrafamily Transfer, Transfer
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	May 9, 2024 · Amount on File
Deed Document Number	20262316006
Prior Transfer Date	Apr 16, 2021
Prior Transfer Doc	0000085463
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Recording Date	Jun 15, 2026
Property Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Document Number	0002311996
Instrument Date	Jun 8, 2026
Instrument	20262311996
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 EMERSON ST, BELOIT, WI 53511-5606

Mortgage

Document Number	0002311996,
Date	Jun 15, 2026
Instrument	20262311996

Lender

Name	JOHNSON BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 1, 2027

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Recording Date	Apr 8, 2026
Property Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Document Number	0002307009
Instrument Date	Mar 30, 2026
Instrument	20262307009
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 EMERSON ST, BELOIT, WI 53511-5606

Mortgage

Document Number	0002307009,
Date	Apr 8, 2026
Instrument	20262307009

Lender

Name	JOHNSON BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCK WI
Recording Date	Apr 21, 2021
Property Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Document Number	0002185463
Map Reference	VL 360 PG 415
Instrument Date	Apr 16, 2021
Instrument	2185463
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Oct 16, 2019
Property Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Document Number	0002138936
Map Reference	VL 321 PG 185
Instrument Date	Oct 11, 2019
Instrument	2138936
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,767.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1614 EMERSON ST, BELOIT, WI 53511-5606
Investor	Possibly a Property Investor

Mortgage

Document Number	0002138937
Date	Oct 16, 2019
Instrument	2138937

Lender

Name	BLACKHAWK COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1614 Emerson St was $10,132 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	$10,132.00 Homeowner's exemption	$617,400 Land $54,900 Building $562,500	$678,100
2023	$9,850.00 Homeowner's exemption	$623,900 Land $50,500 Building $573,400	$709,600

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

Flood

FEMA maps place 1614 Emerson St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 3, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1614 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 95% of the US · lower than 88% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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