205 E 3rd St, Rock Falls, IL 61071 Property Records

Whiteside County property record for 205 E 3rd St, Rock Falls, IL 61071

Property Summary

Property Type	Commercial
Lot Size	0.62 acres (27,007 sqft)
Owner	Trust Name on File
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Nov 2021 Refinance Dec 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1127151013`

Property Details

APN / Parcel Number

Primary APN	`1127151013`
Alternative APN	`85790`

Exterior

Lot Area	27,007 sqft (0.62 acres)

Location & Zoning

Account Number	85790
Street Address	205 E 3RD ST
City	ROCK FALLS
State	IL
Zip	61071-1363
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	WOODWORTHS SUB W PT BLK A NORTH OF 3RD ST NORTH END SUBSTA 198600
Legal Subdivision	WOODWORTHS SUBDIVISION
Legal Block	A
Jurisdiction	WHITESIDE IL
Township / Civil Division	COLOMA
Census Block Group	1
Census Block	1005
Census Tract	1500

Owner

205 E 3rd St, a commercial property, is held in a trust.

Source: Whiteside County records, as of May 22, 2026

Owner of Record	Trust Name on File
Mailing Address	29545 PENROSE RD, STERLING, IL 61081-8775
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMPEETRFINANCIAL
Dec 31, 2020	Deed of Trust, Mortgage · Line of Credit STERLING BK
Apr 12, 2019	Grant Deed, Mortgage · Line of Credit STERLING BK
May 21, 2018	Warranty Deed, Transfer · Line of Credit STERLING BK/HARRIS CNTY TX
May 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	205 E 3RD ST, ROCK FALLS, IL 61071-1363
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202107813
Date	Nov 4, 2021
Instrument	2021-07813

Lender

Name	COMPEETRFINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2046

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	205 E 3RD ST, ROCK FALLS, IL 61071-1363
Document Number	0000000162
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	205 E 3RD ST ROCK FALLS IL 610711363, ROCK FALLS, IL 61071-1363

Mortgage

Document Number	0000000162
Date	Jan 8, 2021
Instrument	162

Lender

Name	STERLING BK
Type	Bank
Address	110 E 4TH ST, STERLING, IL 61081-3671

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 7, 2026

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 12, 2019
Property Address	205 E 3RD ST, ROCK FALLS, IL 61071-1363
Instrument Date	Apr 10, 2019
Instrument	1809
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	205 E 3RD ST ROCK FALLS IL 610711363, ROCK FALLS, IL 61071-1363

Mortgage

Document Number	0000001809
Date	Apr 12, 2019
Instrument	1809

Lender

Name	STERLING BK
Type	Bank
Address	110 E 4TH ST, STERLING, IL 61081-3671

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 21, 2018
Property Address	205 E 3RD ST, ROCK FALLS, IL 61071-1363
Document Number	0000002639
Instrument Date	May 18, 2018
Instrument	2639
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$315.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	29545 PENROSE RD STERLING IL 610818775, STERLING, IL 61081-8775
Investor	Possibly a Property Investor

Mortgage

Document Number	2640
Date	May 21, 2018
Instrument	2640

Lender

Name	STERLING BK/HARRIS CNTY TX
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.85%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 3, 2018
Property Address	205 E 3RD ST, ROCK FALLS, IL 61071-1363
Document Number	0000002265
Instrument Date	May 3, 2018
Instrument	2265
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	209 W 20TH ST ROCK FALLS IL 610712936, ROCK FALLS, IL 61071-2936

Tax Assessment & Valuation

The 2025 property tax bill for 205 E 3rd St was $4,354.

Source: Whiteside County assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Coloma Township
Municipality	Rock Falls City
Elementary School District	Rock Falls Elementary School District 13 (PK - 08)
Secondary School District	Rock Falls Township High School District 301 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,354.00	$320,306 Land $3,476 Building $316,830
2024			$960,918 Land $10,428 Building $950,490

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

Flood

FEMA maps place 205 E 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective September 26, 2019 · 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 Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2018 · other causes

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 205 E 3rd St 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	ROCK FALLS serves 8,620 people · EPA ID IL1950450
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surf Internet Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband.

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