1823 Spruce St, Beloit, WI 53511 Property Records

Rock County property record for 1823 Spruce St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 560 sqft · built 1952
Lot Size	0.121 acres (5,271 sqft)
Owner	Company Name on Record
Last Sale	$95,000 (Jun 2023)
Tax Bill	$1,721 (2025)
Deeds & Mortgages	Sep 2013 Mortgage Jun 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`206 12581495`

Property Details

APN / Parcel Number

Primary APN	`206 12581495`
Alternative APN	`12581495`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	560 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,271 sqft (0.121 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	206 12581495
Street Address	1823 SPRUCE ST
City	BELOIT
State	WI
Zip	53511-3543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 48 SCHUSTERS RIVER PARK ADD
Legal Subdivision	SCHUSTERS RIVER PARK ADD
Legal Lot Number	48
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	4
Census Block	4001
Census Tract	1800

Owner

Source: Rock County records, as of April 2, 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	602 CHARDONNAY CT, CAMBRIDGE, WI 53523-8717
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO
Jun 2, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK
Aug 14, 2020	Warranty Deed, Transfer
Aug 23, 2011	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	Apr 29, 2021 · Amount on Record
Deed Document Number	20232241570
Record Updated	Oct 29, 2026

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1823 SPRUCE ST, BELOIT, WI 53511-3543
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001987510
Date	Sep 5, 2013
Instrument	1987510

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 4, 2023

Interest

Rate Type	Fixed Rate

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jun 2, 2023
Property Address	1823 SPRUCE ST, BELOIT, WI 53511-3543
Document Number	0002241570
Instrument Date	May 24, 2023
Instrument	2241570
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 CHARDONNAY CT, CAMBRIDGE, WI 53523-8717

Mortgage

Document Number	0002241571
Date	Jun 2, 2023
Instrument	2241571

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Apr 29, 2021
Property Address	1823 SPRUCE ST, BELOIT, WI 53511-3543
Document Number	0002186270
Instrument Date	Apr 21, 2021
Instrument	2186270
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 SPRUCE ST, BELOIT, WI 53511-3543

Mortgage

Document Number	0002186271
Date	Apr 29, 2021
Instrument	2186271

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Aug 14, 2020
Property Address	1823 SPRUCE ST, BELOIT, WI 53511-3543
Document Number	0002162311
Instrument Date	Aug 10, 2020
Instrument	2162311
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$84.00
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	400 GIFFORD ST, ORFORDVILLE, WI 53576-9419

August 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Aug 23, 2011
Property Address	1823 SPRUCE ST, BELOIT, WI 53511-3543
Document Number	0001926054
Instrument Date	Aug 19, 2011
Instrument	1926054
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$42.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 E HUEBBE PKWY APT 115, 115, BELOIT, WI 53511-6525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12116 S BERGEN RD, CLINTON, WI 53525-8400

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	$1,721.00 (+51.23%)	$105,800 (+44.73%) Land $8,800 Building $97,000	$116,200 (+39.83%)
2023	$1,138.00 (-3.56%)	$73,100 (-) Land $8,800 Building $64,300	$83,100 (+9.63%)
2022	$1,180.00	$73,100 Land $8,800 Building $64,300	$75,800

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.

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