1904 S Cottage Ave, Beloit, WI 53511 Property Records

Rock County property record for 1904 S Cottage Ave, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1935
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,542 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2011 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`6-2-1999`

Property Details

APN / Parcel Number

Primary APN	`6-2-1999`
Alternative APN	`004 201170`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	6,186 sqft (0.142 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	004 201170
Street Address	1904 S COTTAGE AVE
City	BELOIT
State	WI
Zip	53511-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 PERRIGO PLACE ADDITION LOT 2 BLK 12
Legal Subdivision	PERRIGO PLACE ADDITION
Legal Block	12
Legal Lot Number	2
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	1
Census Block	1021
Census Tract	2300

Owner

1904 S Cottage Ave is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Oct 28, 2011	Deed of Trust, Mortgage · Conventional Mortgage F A C U
Apr 27, 2006	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN CU
May 21, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN CU
Oct 9, 2025	Transfer on Death Deed, Transfer
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002164661
Date	Sep 9, 2020
Instrument	2164661

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001931332
Date	Oct 28, 2011
Instrument	1931332

Lender

Name	F A C U
Address	JANESVILLE, WI 53545

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001748261
Date	Apr 27, 2006
Instrument	1748261

Lender

Name	FIRST AMERICAN CU
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2016

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001864108
Date	May 21, 2009
Instrument	1864108

Lender

Name	FIRST AMERICAN CU
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2024

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ROCK WI
Recording Date	Oct 9, 2025
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Document Number	0002294842
Instrument Date	Oct 9, 2025
Instrument	2294842
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 KAREN LN, CLINTON, WI 53525-9127

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	1904 S COTTAGE AVE, BELOIT, WI 53511-2922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2164661
Date	Sep 9, 2020
Instrument	2164661

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1904 S Cottage Ave was $1,542 with a homeowner's exemption.

Source: Rock County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Rock County
County Subdivision	Beloit Town
Unified School District	Beloit School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,542.00 Homeowner's exemption	$105,500 Land $6,700 Building $98,800	$130,200
2023	$1,186.00 Homeowner's exemption	$105,500 Land $6,700 Building $98,800	$109,700

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

Flood

FEMA maps place 1904 S Cottage Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 3, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2008)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1904 S Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 S Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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