1777 Spruce St, Beloit, WI 53511 Property Records

Rock County property record for 1777 Spruce St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 819 sqft · built 1922
Lot Size	0.092 acres (4,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,800 (Jul 2023)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Dec 2005 Construction Loan Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206 12580185`

Property Details

APN / Parcel Number

Primary APN	`206 12580185`
Alternative APN	`12580185`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	819 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	4,008 sqft (0.092 acres)

Location & Zoning

Account Number	206 12580185
Street Address	1777 SPRUCE ST
City	BELOIT
State	WI
Zip	53511-3541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 25 B 4 ECLIPSE PARK ADD
Legal Subdivision	ECLIPSE PARK ADD
Legal Lot Number	25
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	4
Census Block	4009
Census Tract	1800

Owner

Source: Rock County records, as of September 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	N5828 COUNTY ROAD P, DELAVAN, WI 53115-2705
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2005	Deed of Trust, Mortgage · Construction Mortgage ASSOCIATED BANK NA
Jul 26, 2023	Intrafamily Transfer, Transfer
Jul 27, 2006	Warranty Deed, Transfer · ARM CSMC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	20232244844
Prior Transfer Date	Jun 27, 2023
Prior Transfer Doc	0002244844
Record Updated	Oct 29, 2026

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1777 SPRUCE ST, BELOIT, WI 53511-3541
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001733783
Date	Dec 14, 2005
Instrument	1733783

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	STEVENS POINT, WI 54481

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCK WI
Recording Date	Jul 26, 2023
Property Address	1777 SPRUCE ST, BELOIT, WI 53511-3541
Document Number	0002244844
Instrument Date	Jun 27, 2023
Instrument	2244844
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jul 27, 2006
Property Address	1777 SPRUCE ST, BELOIT, WI 53511-3541
Document Number	0001758781
Instrument Date	Jul 25, 2006
Instrument	1758781
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	N 5828 CO RD P, DELAVAN, WI 53115-2705

Mortgage

Document Number	0001758782
Date	Jul 27, 2006
Instrument	1758782

Lender

Name	CSMC INC
Type	Non-Lending Institution
Address	BARABOO, WI 53913

Agreement

Type	ARM
Amount	Amount Recorded
Term	24 Months
Due	Aug 1, 2036
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	10.9%
Type Change Date	Aug 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.96%
Max Rate At Change	13.9%
Index	6-Month LIBOR
Margin	6
Max Rate	16.9%

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	$1,492.00 (+64.86%)	$92,100 (+57.17%) Land $7,700 Building $84,400	$101,200 (+51.72%)
2023	$905.00 (-3.52%)	$58,600 (-) Land $7,800 Building $50,800	$66,700 (+9.7%)
2022	$938.00	$58,600 Land $7,800 Building $50,800	$60,800

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

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.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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