400 3rd Ave, Rock Falls, IL 61071 Property Records

Whiteside County property record for 400 3rd Ave, Rock Falls, IL 61071

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$26,300 (Aug 2013)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Apr 2024 Reverse Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1128434009`

Property Details

APN / Parcel Number

Primary APN	`1128434009`
Alternative APN	`73325`

Exterior

Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Location & Zoning

Account Number	73325
Street Address	400 3RD AVE
City	ROCK FALLS
State	IL
Zip	61071-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERRILLS 2ND ADD LOT 1 BLK 23 85800X
Legal Subdivision	MERRILLS SECOND ADDITION
Legal Block	23
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	COLOMA
Census Block Group	3
Census Block	3032
Census Tract	1500

Owner

400 3rd Ave is owned and occupied by two individuals who bought it in August 2013.

Source: Whiteside County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	400 3RD AVE, ROCK FALLS, IL 61071-1215
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 11, 2024	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Jul 13, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 14, 2017	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2013 · Amount on File
Deed Sale	Aug 1, 2013 · Amount on File
Deed Document Number	20135580
Prior Transfer Date	Nov 14, 2012
Prior Transfer Doc	0000009373
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	400 3RD AVE, ROCK FALLS, IL 61071-1215
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001593
Date	Apr 11, 2024
Instrument	2024-01593

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2064

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	400 3RD AVE, ROCK FALLS, IL 61071-1215
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004208
Date	Jul 13, 2022
Instrument	2022-04208

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2062

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITESIDE IL
Property Address	400 3RD AVE, ROCK FALLS, IL 61071-1215
Document Number	0000006243
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 3RD AVE ROCK FALLS IL 610711215, ROCK FALLS, IL 61071-1215

Mortgage

Document Number	0000006243
Date	Oct 19, 2017
Instrument	6243

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 400 3rd Ave was $2,090, up 12.1% from the year before.

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	$2,090.00 (+12.06%)	$25,036 (+8.8%) Land $5,312 Building $19,724
2024	$1,865.00	$23,011 Land $4,882 Building $18,129	$75,108 (+8.8%) Land $15,936 Building $59,172
2023			$69,033 Land $14,646 Building $54,387

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

Flood

FEMA maps place 400 3rd Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1983.

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	5 (1983–1996)
Most Recent Claim	May 1996 · river or lake 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

The area around 400 3rd Ave 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 548 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband.

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