3645 Eagles Ridge Dr, Beloit, WI 53511 Property Records

Rock County property record for 3645 Eagles Ridge Dr, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,900 (Jan 2022)
Tax Bill	$5,330 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`206 22830090`

Property Details

APN / Parcel Number

Primary APN	`206 22830090`
Alternative APN	`22830090`

Exterior

Lot Area	11,195 sqft (0.257 acres)

Location & Zoning

Account Number	206 22830090
Street Address	3645 EAGLES RIDGE DR
City	BELOIT
State	WI
Zip	53511-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46 EAGLES RIDGE PLAT NO 3
Legal Subdivision	EAGLES RIDGE
Legal Lot Number	46
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	2
Census Block	2101
Census Tract	2602

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	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CU
Jan 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Apr 7, 2020	Deed of Trust, Mortgage · ARM PREMIA MORTGAGE LLC
Oct 12, 2018	Warranty Deed, Subdivision Related Transfer · ARM PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Prior Sale	Oct 12, 2018 · Amount on Record
Deed Document Number	202210460
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Jan 25, 2022
Property Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Document Number	0002210460
Instrument Date	Sep 23, 2021
Instrument	2210460
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,034.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109

Mortgage

Document Number	0002210461
Date	Jan 25, 2022
Instrument	2210461

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2175313
Date	Jan 4, 2021
Instrument	2175313

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2051

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2095534
Date	Jan 12, 2018
Instrument	2095534

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2151166
Date	Apr 7, 2020
Instrument	2151166

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.38%
Index	1-Year LIBOR

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROCK WI
Recording Date	Oct 12, 2018
Property Address	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109
Document Number	0002114065
Instrument Date	Oct 11, 2018
Instrument	2114065
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$681.60
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	3645 EAGLES RIDGE DR, BELOIT, WI 53511-9109

Mortgage

Document Number	2114066
Date	Oct 12, 2018
Instrument	2114066

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.88%
Index	1-Year LIBOR

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	$5,330.00 (+10.95%) Homeowner's exemption	$330,200 (+6.62%) Land $28,500 Building $301,700	$362,700 (+2.95%)
2023	$4,804.00 Homeowner's exemption	$309,700 Land $28,500 Building $281,200	$352,300

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 · 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	3 in force
Nearby Flood Claims	2 (1979–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2020 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 88% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, LiteWire.

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