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1416 Saint Lawrence Ave, Beloit, WI, 53511

2beds
1baths
988sqft
$190,000
$192price/sqft
$1,474/moest. monthly cost
$58,960/yrincome needed

About This Home

G'Day Beloit! Meet 1416 St Lawrence — the freshest little bungalow in the Merrill corridor and a proper turnkey ripper. This 2BR/1BA stunner sports a mechanical spine so fresh you can smell it: brand-new roof, siding, central A/C, water heater, plus updated Low-E windows. INVESTORS: zero year-one capex, tight rental block, walk-up attic ready for a 3-bed conversion — the cap rate holds beautifully. FIRST-TIME BUYERS: this one won't punish you. FHA/USDA/WHEDA friendly, first-floor bed + full bath, full basement, 2-car detached garage, level lot, sidewalk, close to bus line. Minutes to downtown Beloit's riverfront, Rock River trails, and Beloit College. Cap rates or PITI, you're walking into instant equity and a decade of peace of mind. Fair dinkum — book your showing!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

2/10
Gaston Elementary SchoolGrades PK-50.1 mi
1/10
Beloit Virtual SchoolGrades PK-121.4 mi
2/10
Memorial High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Main
  • Area: 99

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 143

Features

  • Window features: Low Emissivity Windows
  • Attic: Walk-up
  • Finished area above ground: 988

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 988
  • Total interior livable area: 988 sqft

Kitchen

  • Features: Range/Oven,Refrigerator
  • Level: Main
  • Area: 104

Living Room

  • Level: Main
  • Area: 182

Master Bedroom

  • Level: Main
  • Area: 121

Property

Details

  • Parcel number: 206 13431690
  • Zoning: RES
  • Exclusions: Seller's personal property

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,098 sqft
  • Features: Near Public Transit,Sidewalk
  • Lot size dimensions: 46x132

Parking

  • Total spaces: 2
  • Parking features: 2 car,Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Heat Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters Across Wisconsin Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $960$11,520
Home Insurance *$98$1,176
Property Taxes $245$2,940
Electricity $171$2,054
Total$1,474$17,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,537/yr
40% on housing$44,220/yr
45% on housing$39,306/yr

Wisconsin FAIR Plan Programs

Wisconsin Insurance Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 5,246Commercial: 198
Total Premiums$4.55M
Total Exposure$860.28M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 53511$168
Rock County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 53511$148
Rock County$167

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-09-04Sold$118,000
2022-01-30Listing removed--
2021-12-30Listed for rent$950
2019-10-31Sold$69,900
2019-08-30Pending sale$69,900
2019-07-14Listed for sale$69,900
2016-03-24Listing removed$49,900
2015-07-23Price change$49,900
2014-09-24Listed for sale$59,900
2011-09-04Listing removed$59,900
2011-03-03Listed for sale$59,900

Coming Soon

AgentFerraro Real Estate Team
BrokerageEXP Realty, LLC

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