306 E 2nd St, Rock Falls, IL 61071 Property Records

Whiteside County property record for 306 E 2nd St, Rock Falls, IL 61071

Property Summary

Property Type	Single Family Home
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on File
Tax Bill	$8,859 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1127152026`

Property Details

APN / Parcel Number

Primary APN	`1127152026`
Alternative APN	`88927`

Exterior

Lot Area	54,886 sqft (1.26 acres)

Location & Zoning

Account Number	88927
Street Address	306 E 2ND ST
City	ROCK FALLS
State	IL
Zip	61071-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODWORTHS SUB LOT 1, PT LOT A, & PT LOT 14 BLK B
Legal Subdivision	WOODWORTHS SUBDIVISION
Legal Block	B
Legal Lot Number	14
Jurisdiction	WHITESIDE IL
Township / Civil Division	COLOMA
Census Block Group	1
Census Block	1010
Census Tract	1500

Owner

Source: Whiteside County assessment roll, as of May 22, 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	306 E 2ND ST, ROCK FALLS, IL 61071-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Oct 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAUK VALLEY BANK & TRUST CO
May 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAUK VALLEY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Apr 7, 2026
Property Address	306 E 2ND ST, ROCK FALLS, IL 61071-1302
Document Number	0000001645
Instrument Date	Mar 13, 2026
Instrument	20261645
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 2ND ST, ROCK FALLS, IL 61071-1302

Mortgage

Document Number	0000001645,
Date	Apr 7, 2026
Instrument	20261645

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	306 E 2ND ST, ROCK FALLS, IL 61071-1302
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005186
Date	Oct 23, 2023
Instrument	2023-05186

Lender

Name	SAUK VALLEY BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	306 E 2ND ST, ROCK FALLS, IL 61071-1302
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002725
Date	May 5, 2022
Instrument	2022-02725

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2027

Tax Assessment & Valuation

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	$8,859.00	$94,913 Land $6,871 Building $88,042
2024			$284,739 Land $20,613 Building $264,126

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 September 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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