860 Elm St, Beloit, WI 53511 Property Records

Rock County property record for 860 Elm St, Beloit, WI 53511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,379 sqft · built 1895
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,000 (Apr 2026)
Tax Bill	$1,621 (2025)
Deeds & Mortgages	Mar 2005 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`206 13571200`

Property Details

APN / Parcel Number

Primary APN	`206 13571200`
Alternative APN	`13571200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	1,379 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Metal
Construction Type	Frame
Lot Area	4,922 sqft (0.113 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	206 13571200
Street Address	860 ELM ST
City	BELOIT
State	WI
Zip	53511-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 77 FT L 1 B 4 WALKERS ADD
Legal Subdivision	WALKERS ADD
Jurisdiction	ROCK WI
Township / Civil Division	BELOIT
Census Block Group	1
Census Block	1005
Census Tract	1600

Owner

Source: Rock County records, as of October 20, 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	860 ELM ST, BELOIT, WI 53511-5202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2005	Deed of Trust, Mortgage FORT COMMUNITY CU
Apr 14, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 7, 2025	Intrafamily Transfer, Transfer
Aug 9, 2017	Deed, Transfer
May 11, 2009	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage FORT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Aug 9, 2017 · Amount on Record
Deed Document Number	20262307364
Prior Transfer Date	Jul 3, 2025
Prior Transfer Doc	0002288289
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCK WI
Property Address	860 ELM ST, BELOIT, WI 53511-5202
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001699509
Date	Mar 16, 2005
Instrument	1699509

Lender

Name	FORT COMMUNITY CU
Address	FORT ATKINSON, WI 53538

Agreement

Amount	Amount Recorded

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK WI
Recording Date	Apr 14, 2026
Property Address	860 ELM ST, BELOIT, WI 53511-5202
Document Number	0002307364
Instrument Date	Apr 6, 2026
Instrument	2026.2307364
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,056.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ELM ST, BELOIT, WI 53511-5202

Mortgage

Document Number	0002307364,
Date	Apr 14, 2026
Instrument	2026.2307364

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCK WI
Recording Date	Jul 7, 2025
Property Address	860 ELM ST, BELOIT, WI 53511-5202
Document Number	0002288289
Instrument Date	Jul 3, 2025
Instrument	2288289
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCK WI
Recording Date	Aug 9, 2017
Property Address	860 ELM ST, BELOIT, WI 53511-5202
Document Number	0002084576
Instrument Date	Aug 8, 2017
Instrument	2084576
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Tax	$45.00
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	2020 S GLEN AVE, BELOIT, WI 53511-2934

May 2009: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROCK WI
Recording Date	May 11, 2009
Property Address	860 ELM ST, BELOIT, WI 53511-5202
Document Number	0001862794
Instrument Date	Mar 13, 2009
Instrument	1862794
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 BENSON ST, COBB, WI 53526-9624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 ELM ST, BELOIT, WI 53511-5202
Investor	Possibly a Property Investor

Mortgage

Document Number	0001862795
Date	May 11, 2009
Instrument	1862795

Lender

Name	FORT COMMUNITY CU

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$1,621.00 (+18.58%)	$99,800 (+14.19%) Land $9,100 Building $90,700	$109,600 (+10.26%)
2023	$1,367.00	$87,400 Land $9,100 Building $78,300	$99,400

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 795 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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