401 E 7th St, Rock Falls, IL 61071 Property Records

Whiteside County property record for 401 E 7th St, Rock Falls, IL 61071

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Jan 2025)
Tax Bill	$3,043 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1127311023`

Property Details

APN / Parcel Number

Primary APN	`1127311023`
Alternative APNs	`109989` `120723`

Exterior

Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	210 ft deep x 62 ft wide

Location & Zoning

Account Number	120723
Street Address	401 E 7TH ST
City	ROCK FALLS
State	IL
Zip	61071-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAMBERLAIN BROS SUB W 62' OF E 292' LOT F 181301X
Legal Subdivision	CHAMBERLAIN BROS SUBDIVISION
Legal Lot Number	F
Jurisdiction	WHITESIDE IL
Township / Civil Division	COLOMA
Census Block Group	2
Census Block	2012
Census Tract	1500

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	413 CRAWFORD AVE, DIXON, IL 61021-3139
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2025	Warranty Deed, Transfer GUARANTEED RATE INC
Oct 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2025 · Amount on Record
Deed Sale	Jan 30, 2025 · Amount on Record
Prior Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	2025452
Record Updated	Oct 29, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jan 30, 2025
Property Address	401 E 7TH ST, ROCK FALLS, IL 61071-1715
Document Number	0000000452
Instrument Date	Jan 26, 2025
Instrument	2025-00452
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARDEN CIR, ROCK FALLS, IL 61071-1653

Mortgage

Document Number	0000000453
Date	Jan 30, 2025
Instrument	2025-00453

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 15, 2021
Property Address	401 E 7TH ST, ROCK FALLS, IL 61071-1715
Document Number	0202107263
Instrument Date	Oct 1, 2021
Instrument	2021-07263
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 E HILL DR, ROCK FALLS, IL 61071-2064

Mortgage

Document Number	0202107264
Date	Oct 15, 2021
Instrument	2021-07264

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,043.00	$33,714 Land $8,153 Building $25,561
2024			$101,142 Land $24,459 Building $76,683

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1988)
Most Recent Claim	Jan 1988 · rainfall accumulation

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 98% of the US · lower than 86% 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 430 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Verizon.

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