Contact us: 563.441.1776
Description
Excellent opportunity to own a versatile mixed-use commercial property in the heart of Fulton, Illinois. This unique offering combines two connected buildings featuring over 4,000 SF of main-level commercial/retail space along with over 3,000 SF of two fully updated upstairs apartments that are currently rented, creating immediate income potential for an owner-user or investor. The spacious commercial level offers endless possibilities including retail, coffee shop, boutique, office restaurant, studio, service business or multiple business concepts. With strong visibility, flexible layout options and ample space, this property is ideal for an entrepreneur looking to operate their business while benefiting from additional rental income above. The second floor consists of two separate updated residential apartments, both occupied by tenants. Whether you are an investor seeking a cash-flow opportunity or a business owner looking for a live/work ow owner-occupied investment property, this property delivers exceptional value at a price designed to move quickly.
Property Highlights
Property Type: Commercial - Business
Building Description: 2.0 stories
Year Built: 1876
General Information
County: Whiteside
Listed By:
Mel Foster Co. Commercial
563-324-4488
MRED MLS
MLS ID: 12641885
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1100 & 1102 4th Street, Fulton, IL 61252.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $399,900 | $399,900 | $399,900 |
| Down Payment | $79,980 | $13,997 | $99,975 |
| Monthly Mortgage Amount | $1,918 | $2,354 | $2,471 |
| Taxes | $557 | $557 | $557 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $176 | $0 |
| Monthly Estimated Total | $2,592 | $3,204 | $3,145 |
About this area
About Fulton
Fulton, IL is a picturesque small city located along the banks of the Mississippi River in Whiteside County. Known for its rich Dutch heritage, Fulton embraces its cultural roots through landmarks such as the authentic Dutch windmill—De Immigrant—and annual community events that celebrate its history and traditions. The riverfront area provides stunning views, recreational opportunities, and access to boating, fishing, and biking along the Great River Trail. Fulton’s charming downtown features local shops, restaurants, and historic buildings, all contributing to the city’s warm, welcoming atmosphere. With its strong sense of community and small-town charm, Fulton is an ideal place for those seeking a relaxed lifestyle while remaining close to the Quad Cities and Clinton, IA.
The real estate market in Fulton reflects the area’s diverse appeal. Housing options range from historic homes with character-filled details to newer construction designed for modern living. Buyers will find single-family homes in established neighborhoods, larger properties with expansive yards, and rural homesites just outside the city limits. Proximity to the Mississippi River also means opportunities for waterfront properties that offer scenic views and recreational access.
Affordability is one of Fulton’s strongest draws, with housing prices that are generally more accessible than those in larger metro areas. This makes the city attractive to families, retirees, and individuals seeking more space and value. With its blend of natural beauty, cultural heritage, and accessible real estate options, Fulton offers a unique lifestyle that combines small-town warmth with convenient access to regional amenities.
If you are ready to start your property buying or selling journey, browse the newest homes for sale in Fulton, IL. You can also contact us—we are here to help!
Disclaimer:
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 05/18/2026. The listing information on this page last changed on 05/18/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 05/18/2026 7:02:23 AM EST) or MRED MLS (last updated Mon 05/18/2026 2:04:12 AM EST) or SCWMLS (last updated Sun 05/17/2026 11:54:39 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Sun 05/17/2026 10:15:19 PM EST) or Cedar Rapids MLS (last updated Mon 05/18/2026 6:52:00 AM EST) or NEIRBR MLS (last updated Mon 05/18/2026 6:30:21 AM EST) or ICAAR MLS (last updated Sun 05/17/2026 11:37:30 PM EST) or ECIMLS (last updated Sun 05/17/2026 11:44:17 PM EST) or RMLSA (last updated Mon 05/18/2026 1:10:56 AM EST) or Muscatine MLS (last updated Mon 05/18/2026 2:00:10 AM EST) or No Coast MLS (last updated Mon 05/18/2026 12:44:18 AM EST). Real estate listings held by brokerage firms other than Ruhl & Ruhl Careers may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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Member Participants (and their affiliated licensees, if applicable) shall indicate on their websites that IDX information is provided exclusively for consumers’ personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability.
Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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