1757 Spruce St, Beloit, WI 53511 Property Records

Rock County property record for 1757 Spruce St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,071 sqft · built 1917
Lot Size	0.103 acres (4,487 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Jan 2025)
Tax Bill	$1,580 (2025)
Deeds & Mortgages	Jun 2006 Mortgage Jan 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206 12580205`

Property Details

APN / Parcel Number

Primary APN	`206 12580205`
Alternative APN	`12580205`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,071 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Lot Area	4,487 sqft (0.103 acres)

Location & Zoning

Account Number	206 12580205
Street Address	1757 SPRUCE ST
City	BELOIT
State	WI
Zip	53511-3541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 21 B 4 ECLIPSE PARK ADD
Legal Subdivision	ECLIPSE PARK ADD
Legal Lot Number	21
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	4
Census Block	4009
Census Tract	1800

Owner

Source: Rock County records, as of July 8, 2026

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

Owner of Record	Company Name on Record
Mailing Address	525 3RD ST, 300, BELOIT, WI 53511-6225
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2006	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HOME LOANS INC
Jan 31, 2025	Warranty Deed, Transfer
Jan 3, 2005	Warranty Deed, Transfer · ARM NEW CENTURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Prior Sale	Jan 3, 2005 · Amount on Record
Deed Document Number	20252278565
Record Updated	Oct 29, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1757 SPRUCE ST, BELOIT, WI 53511-3541
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	NORTH CENTRAL TITLE INC, NORTH CENTRAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001755019
Date	Jun 22, 2006
Instrument	1755019

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2036

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jan 31, 2025
Property Address	1757 SPRUCE ST, BELOIT, WI 53511-3541
Document Number	0002278565
Instrument Date	Jan 30, 2025
Instrument	2278565
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 3RD ST STE 300, 300, BELOIT, WI 53511-6225
Investor	Possibly a Property Investor

January 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jan 3, 2005
Property Address	1757 SPRUCE ST, BELOIT, WI 53511-3541
Document Number	0001691851
Instrument Date	Dec 15, 2004
Instrument	1691851
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0001691852
Date	Jan 3, 2005
Instrument	1691852

Lender

Name	NEW CENTURY MORTGAGE CORP
Type	Subprime Lender
Address	IRVINE, CA 92612

Agreement

Type	ARM
Amount	Amount Recorded
Term	365 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	9.55%
Type Change Date	Jan 1, 2007
Change Frequency	6 Months
Min Rate At Change	9.55%
Max Rate At Change	11%
Index	6-Month LIBOR
Max Rate	16.5%

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	$1,580.00 (+54.9%)	$97,400 (+48.02%) Land $8,300 Building $89,100	$107,000 (+43.05%)
2023	$1,020.00	$65,800 Land $8,000 Building $57,800	$74,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
LiteWire Fixed Wireless	100 / 25
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Bug Tussel Wireless, T-Mobile.

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