Whiteside County property record for 2604 Spruce St, Rock Falls, IL 61071
| Property Type | Commercial |
|---|---|
| Lot Size | 0.245 acres (10,678 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Oct 2017) |
| Tax Bill | $1,822 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Line of Credit Oct 2017 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1702203004 |
| Primary APN | 1702203004 |
|---|---|
| Alternative APN |
|
| Units | 2 Units |
|---|
| Lot Area | 10,678 sqft (0.245 acres) |
|---|
| Account Number | 106747 |
|---|---|
| Street Address | 2604 SPRUCE ST |
| City | ROCK FALLS |
| State | IL |
| Zip | 61071-3612 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | YEOWARDS 3RD SUB LOT 1 BLK 2 46400X |
| Legal Subdivision | YEOWARDS THIRD SUBDIVISION |
| Legal Block | 2 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | MONTMORENCY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 1700 |
Source: Whiteside County records · APN 1702203004
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 | 27748 FARGO RD, TAMPICO, IL 61283-9513 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Warranty Deed, Transfer · Line of Credit SAUK VLY BK&TR |
| Oct 25, 2017 | Warranty Deed, Transfer · Line of Credit MILLEDGEVILLE ST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 25, 2017 · Amount on Record |
| Deed Sale | Oct 25, 2017 · Amount on Record |
| Deed Document Number | 20176398 |
| Prior Transfer Date | Aug 26, 2014 |
| Prior Transfer Doc | 0201404729 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Nov 10, 2020 |
| Property Address | 2604 SPRUCE ST, ROCK FALLS, IL 61071-3612 |
| Document Number | 0000007351 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 7351 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27748 FARGO RD TAMPICO IL 612839513, TAMPICO, IL 61283-9513 |
| Document Number | 7352 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 7352 |
| Name | SAUK VLY BK&TR |
|---|---|
| Type | Bank |
| Address | ROCK FALLS, IL 61071 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 09, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Oct 25, 2017 |
| Property Address | 2604 SPRUCE ST, ROCK FALLS, IL 61071-3612 |
| Document Number | 0000006398 |
| Instrument Date | Oct 23, 2017 |
| Instrument | 6398 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27264 MAPLE DR STERLING IL 610818520, STERLING, IL 61081-8520 |
| Document Number | 6399 |
|---|---|
| Date | Oct 25, 2017 |
| Instrument | 6399 |
| Name | MILLEDGEVILLE ST BK |
|---|---|
| Type | Bank |
| Address | MILLEDGEVILLE, IL 61051 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 24, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
Source: Whiteside County records · Assessment roll updated May 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Whiteside County |
| County Subdivision | Montmorency Township |
| Elementary School District | Montmorency Community Consolidated School District 145 (KG - 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 | $1,822.00 (-1.57%) | $21,750 (-) Land $1,750 Building $20,000 | |
| 2024 | $1,851.00 | $21,750 Land $1,750 Building $20,000 | $65,250 (-) Land $5,250 Building $60,000 |
| 2023 | $65,250 Land $5,250 Building $60,000 |
Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), as of September 26, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171950017003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1979) |
| Most Recent Claim | Mar 1979 · tidal / storm surge |
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| JAB Wireless Fixed Wireless | 100 / 20 |
May also be available: Surf Air Wireless, Verizon.
Based on FCC filings for 9 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL1950450, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROCK FALLS serves 8,620 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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