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803 12th Street, Rapids City, IL 61278.
Charming home set on a spacious lot offering room to relax, garden, or entertain, all within a desirable school district. This property blends everyday comfort with peace of mind thanks to numerous major updates completed between 2021-2025, including roof, siding, windows, furnace, central air, and more. The kitchen has been enhanced with additional cabinetry and updated lighting, creating a more functional and inviting space. Additional features include fiber optic internet, water softener (2025), dehumidifier (2025), and a 30-amp outdoor generator outlet for added convenience. A privacy fence adds to the usability of the yard, while a storage shed provides extra space in lieu of a garage. The interior offers opportunity for cosmetic personalization, allowing buyers to make it their own while enjoying the benefit of already-updated major systems.
MLS ID: 12640065
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803 12th Street, Rapids City, IL 61278.

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563-441-1862
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $167,000 | $167,000 | $167,000 |
| Down Payment | $33,400 | $5,845 | $41,750 |
| Monthly Mortgage Amount | $801 | $983 | $1,032 |
| Taxes | $232 | $232 | $232 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $73 | $0 |
| Monthly Estimated Total | $1,133 | $1,388 | $1,364 |
Rapids City, IL is a quiet riverside community located along the Mississippi River, named after the nearby Rock Island Rapids and offers residents a peaceful small-town lifestyle with scenic surroundings. Known for its strong sense of community and connection to the river, Rapids City appeals to those who value natural beauty, outdoor recreation, and a slower pace of life. The area provides easy access to nearby employment, shopping, and entertainment in the Quad Cities while maintaining a distinctly relaxed and residential atmosphere. River views, open green spaces, and local parks contribute to the town’s inviting character.
Real estate in Rapids City reflects its blend of affordability and charm. Homebuyers will find a variety of single-family homes, including modest starter houses, traditional ranch-style residences, and larger homes with generous lots. Many properties feature mature trees, private yards, and quiet streets ideal for families or retirees. Homes closer to the river often offer scenic views or a sense of privacy, while newer or updated properties provide modern conveniences without sacrificing the town’s small-town feel.
The surrounding areas offer opportunities for rural living, with acreage properties and homes that provide additional space and flexibility for outdoor enjoyment. Rapids City’s housing market is especially attractive to buyers seeking value, as it typically offers more affordable options compared to larger nearby cities.
With its riverside setting, welcoming community, and diverse housing choices, Rapids City is an appealing option for those looking to enjoy comfortable living near the Mississippi River. The city combines convenience, natural beauty, and small-town charm in a way that continues to attract residents seeking a relaxed and rewarding lifestyle.
If you are ready to start your home buying or selling journey, browse the latest real estate listings in Rapids City, IL. You can also contact us—we are here to help!
Nearest Ruhl & Ruhl Office: Moline
1701 52nd Avenue
Moline, IL 61265
(563) 441-1776
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