1635 Emerson St, Beloit, WI 53511 Property Records

Rock County property record for 1635 Emerson St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,704 sqft · built 1951
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual Name on File
Last Sale	$304,900 (Aug 2021)
Tax Bill	$5,730 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`206 13620710`

Property Details

APN / Parcel Number

Primary APN	`206 13620710`
Alternative APN	`13620710`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,704 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	14,462 sqft (0.332 acres)

Location & Zoning

Account Number	206 13620710
Street Address	1635 EMERSON ST
City	BELOIT
State	WI
Zip	53511-5605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPL LAND BEG 72.07 FT E OF SE CORNER L 1 SHEPARDS SUB, TH NLY 200.9 FT, TH ELY 72.71 FT, TH SLY 200.76 FT, TH WLY 72.07 FT T
Legal Subdivision	SHEPARDS SUB
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	1
Census Block	1032
Census Tract	1900

Owner

1635 Emerson St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1635 EMERSON ST, BELOIT, WI 53511-5605
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
Apr 27, 2020	Deed of Trust, Mortgage · ARM PREMIA MORTGAGE LLC
Mar 24, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK BANK
Mar 18, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Prior Sale	Mar 18, 2019 · Amount on File
Deed Document Number	202197357
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1635 EMERSON ST, BELOIT, WI 53511-5605
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002152457
Date	Apr 27, 2020
Instrument	2152457

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1635 EMERSON ST, BELOIT, WI 53511-5605
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002182849
Date	Mar 24, 2021
Instrument	2182849

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Aug 27, 2021
Property Address	1635 EMERSON ST, BELOIT, WI 53511-5605
Document Number	2197357
Instrument Date	Apr 8, 2021
Instrument	2197357
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$914.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 EMERSON ST, BELOIT, WI 53511-5605

Mortgage

Document Number	2197358
Date	Aug 27, 2021
Instrument	2197358

Lender

Name	BLACKHAWK BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Mar 18, 2019
Property Address	1635 EMERSON ST, BELOIT, WI 53511-5605
Document Number	0002123535
Instrument Date	Mar 8, 2019
Instrument	2123535
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	$637.50
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	1635 EMERSON ST, BELOIT, WI 53511-5605

Mortgage

Document Number	0002123536
Date	Mar 18, 2019
Instrument	2123536

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1635 Emerson St was $5,730 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	$5,730.00 Homeowner's exemption	$354,100 Land $19,600 Building $334,500	$388,900
2023	$4,372.00 Homeowner's exemption	$282,800 Land $19,600 Building $263,200	$321,700

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

Flood

FEMA maps place 1635 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 1635 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 376 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: Bug Tussel Wireless, T-Mobile.

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