Whiteside County property record for 1012 Harbor Dr, Rock Falls, IL 61071 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,900 (Sep 2019) |
| Tax Bill | $4,650 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1136129011 |
| Primary APN | 1136129011 |
|---|---|
| Alternative APN |
|
| Lot Area | 13,504 sqft (0.31 acres) |
|---|
| Account Number | 101136 |
|---|---|
| Street Address | 1012 HARBOR DR |
| City | ROCK FALLS |
| State | IL |
| Zip | 61071-2202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POLLOCK TRACTS TRACT 4 439400X |
| Legal Tract | 4 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | COLOMA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 1400 |
Source: Whiteside County records · APN 1136129011
Assessment roll updated May 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1012 HARBOR DR, ROCK FALLS, IL 61071-2202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Sep 16, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Sep 03, 2019 | Warranty Deed, Transfer · VA Mortgage GREAT LAKES HM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 03, 2019 · Amount on Record |
| Deed Sale | Sep 03, 2019 · Amount on Record |
| Deed Document Number | 20194733 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 1012 HARBOR DR, ROCK FALLS, IL 61071-2202 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0202104191 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021-04191 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 1012 HARBOR DR, ROCK FALLS, IL 61071-2202 |
| Document Number | 0000006690 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1012 HARBOR DR ROCK FALLS IL 610712202, ROCK FALLS, IL 61071-2202 |
| Document Number | 0000006690 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 6690 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Sep 03, 2019 |
| Property Address | 1012 HARBOR DR, ROCK FALLS, IL 61071-2202 |
| Document Number | 0000004733 |
| Instrument Date | Sep 03, 2019 |
| Instrument | 4733 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 DIXON AVE ROCK FALLS IL 610711752, ROCK FALLS, IL 61071-1752 |
| Document Number | 4734 |
|---|---|
| Date | Sep 03, 2019 |
| Instrument | 4734 |
| Name | GREAT LAKES HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | LIBERTYVILLE, IL 60048 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 02, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Whiteside County records · Assessment roll updated May 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Whiteside County |
| County Subdivision | Coloma Township |
| Elementary School District | East Coloma-Nelson Consolidated Elementary School District 20 (PK - 08) |
| Secondary School District | Rock Falls Township High School District 301 (09 - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,650.00 | $55,702 Land $5,119 Building $50,583 | |
| 2024 | $167,106 Land $15,357 Building $151,749 |
Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), updated September 26, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171950014002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 6 (1978–2019) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | May 2019, river or lake flooding, Severe Storms And Flooding |
| Wildfire Risk | Low above 4% of the US · above 26% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 82 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
May also be available at this address: Verizon, T-Mobile USA, JAB Wireless, Surf Air Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.
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