31961 Arch Rd, Harmon, IL 61042 Property Records

Whiteside County property record for 31961 Arch Rd, Harmon, IL 61042

Property Summary

Property Type	Single Family Home
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$48,000 (Apr 2017)
Tax Bill	$1,127 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2017 Sale & Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`2301200001`

Property Details

APN / Parcel Number

Primary APN	`2301200001`
Alternative APN	`89500`

Exterior

Lot Area	50,094 sqft (1.15 acres)

Location & Zoning

Account Number	89500
Street Address	31961 ARCH RD
City	HARMON
State	IL
Zip	61042-9601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 148' OF E 364' NE NE (EX N 81' OF W 44') SEC 1 TWP 19 RNG 7 101X
Legal Range	07E
Legal Township	19N
Legal Section	01
Jurisdiction	WHITESIDE IL
Township / Civil Division	HAHNAMAN
Census Block Group	2
Census Block	2042
Census Tract	800

Owner

Source: Whiteside County records, 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 Record
Mailing Address	31961 ARCH RD, HARMON, IL 61042-9601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2017	Deed of Trust, Mortgage · Conventional with PMI COMMUNITY ST BK/ROCK FALLS
Apr 28, 2017	Grant Deed, Construction Loan · Line of Credit COMMUNITY ST BK/ROCK FALLS
Apr 12, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on Record
Deed Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	20172390
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	31961 ARCH RD, HARMON, IL 61042-9601
Document Number	0000007187
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31961 ARCH RD HARMON IL 610429601, HARMON, IL 61042-9601

Mortgage

Document Number	0000007187
Date	Nov 29, 2017
Instrument	7187

Lender

Name	COMMUNITY ST BK/ROCK FALLS
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 28, 2032

Interest

Rate	3.37%

April 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 28, 2017
Property Address	31961 ARCH RD, HARMON, IL 61042-9601
Document Number	0000002390
Instrument Date	Apr 26, 2017
Instrument	2390
Transaction Type	Construction Loan
Record Updated	May 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31961 ARCH RD HARMON IL 610429601, HARMON, IL 61042-9601

Mortgage

Document Number	2391
Date	Apr 28, 2017
Instrument	2391

Lender

Name	COMMUNITY ST BK/ROCK FALLS
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 27, 2018

Interest

Rate Type	Adjustable Rate
Rate	5%

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 12, 2017
Property Address	31961 ARCH RD, HARMON, IL 61042-9601
Document Number	0000001994
Instrument Date	Apr 5, 2017
Instrument	1994
Transaction Type	Foreclosure
Record Updated	Apr 20, 2017

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1665 OVERLOOK DR DIXON IL 610219636, DIXON, IL 61021-9636

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Hahnaman Township
Elementary School District	Montmorency Community Consolidated School District 145 (KG - 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	$1,127.00 (+46.74%)	$19,174 (+32.81%) Land $6,369 Building $12,805
2024			$57,522 (+32.81%) Land $19,107 Building $38,415
2022	$768.00 Additional exemption filed	$14,437 Land $4,795 Building $9,642	$43,311 Land $14,385 Building $28,926

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.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	May 2019 · Severe Storms And Flooding

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nextlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Arch Rd

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