1866 Spruce St, Beloit, WI 53511 Property Records

Rock County property record for 1866 Spruce St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 600 sqft · built 1947
Lot Size	0.157 acres (6,839 sqft)
Owner	Company Name on Record
Last Sale	$29,700 (Jun 2019)
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`206 12581295`

Property Details

APN / Parcel Number

Primary APN	`206 12581295`
Alternative APN	`12581295`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	600 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	6,839 sqft (0.157 acres)

Location & Zoning

Account Number	206 12581295
Street Address	1866 SPRUCE ST
City	BELOIT
State	WI
Zip	53511-3566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 36 NEWFIELDS ADD
Legal Subdivision	NEWFIELDS ADD
Legal Lot Number	36
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	4
Census Block	4002
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	9748 N RILEY RD, EVANSVILLE, WI 53536-8855
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage PREMIER BANK
Jun 3, 2019	Quit Claim Deed, Transfer Quitclaim
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage WISCONSIN RIVER BANK
Sep 11, 2008	Special Warranty Deed, Transfer
Jun 26, 2008	Sheriff's Deed, Foreclosure
Jun 27, 2005	Intrafamily Transfer, Transfer · ARM BNC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	20192128484
Prior Transfer Date	Apr 8, 2019
Prior Transfer Doc	0002128484
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002223022
Date	Jul 20, 2022
Instrument	2223022

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROCK WI
Recording Date	Jun 3, 2019
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Document Number	0002128484
Instrument Date	Apr 8, 2019
Instrument	2128484
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$89.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Oct 29, 2018
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Document Number	0002115120
Instrument Date	Oct 19, 2018
Instrument	2115120
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134.70
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	4687 W RUTLAND RD, BROOKLYN, WI 53521-9427

Mortgage

Document Number	0002115121
Date	Oct 29, 2018
Instrument	2115121

Lender

Name	WISCONSIN RIVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2008: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Sep 11, 2008
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Document Number	0001841425
Instrument Date	Aug 29, 2008
Instrument	1841425
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$73.50
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

June 2008: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ROCK WI
Recording Date	Jun 26, 2008
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Document Number	0001835171
Instrument Date	May 28, 2008
Instrument	1835171
Transaction Type	Foreclosure
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

June 2005: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCK WI
Recording Date	Jun 27, 2005
Property Address	1866 SPRUCE ST, BELOIT, WI 53511-3566
Document Number	0001712030
Instrument Date	Jun 1, 2005
Instrument	1712030
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

Mortgage

Document Number	0001712031
Date	Jun 27, 2005
Instrument	1712031

Lender

Name	BNC MORTGAGE INC
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10%
Type Change Date	Jul 1, 2007
Change Frequency	6 Months
Min Rate At Change	10%
Max Rate At Change	12%
Index	6-Month LIBOR
Max Rate	17%

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	$1,435.00 (+51.85%)	$88,700 (+45.17%) Land $10,500 Building $78,200	$97,400 (+40.14%)
2023	$945.00	$61,100 Land $10,500 Building $50,600	$69,500

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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