102 Locust St, Prophetstown, IL 61277 Property Records

Whiteside County property record for 102 Locust St, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.277 acres (12,072 sqft)
Owner	Individual Name on File
Last Sale	$41,000 (Jun 2012)
Tax Bill	$873 (2023)
Deeds & Mortgages	Apr 2021 Refinance Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1533352011`

Property Details

APN / Parcel Number

Primary APN	`1533352011`
Alternative APN	`68445`

Exterior

Lot Area	12,072 sqft (0.277 acres)

Location & Zoning

Account Number	68445
Street Address	102 LOCUST ST
City	PROPHETSTOWN
State	IL
Zip	61277-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF PROPHETSTOWN PT LOTS 1 & 2 BLK 2
Legal Subdivision	CITY OF PROPHETSTOWN
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	WHITESIDE IL
Township / Civil Division	PROPHETSTOWN
Census Block Group	1
Census Block	1018
Census Tract	700

Owner

102 Locust St is owned and occupied by an individual who bought it in June 2012.

Source: Whiteside County records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	102 LOCUST ST, PROPHETSTOWN, IL 61277-1135
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 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS NATIONAL BANK
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS NAT'L BK
Sep 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2012 · Amount on File
Deed Sale	Jun 12, 2012 · Amount on File
Deed Document Number	20124068
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	102 LOCUST ST, PROPHETSTOWN, IL 61277-1135
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202102444
Date	Apr 12, 2021
Instrument	2021-02444

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	102 LOCUST ST, PROPHETSTOWN, IL 61277-1135
Document Number	0000001463
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	102 LOCUST ST PROPHETSTOWN IL 612771135, PROPHETSTOWN, IL 61277-1135

Mortgage

Document Number	0000001463
Date	Mar 26, 2019
Instrument	1463

Lender

Name	FARMERS NAT'L BK
Type	Bank
Address	PROPHETSTOWN, IL 61277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 25, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	102 LOCUST ST, PROPHETSTOWN, IL 61277-1135
Document Number	0000005367
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	102 LOCUST ST PROPHETSTOWN IL 612771135, PROPHETSTOWN, IL 61277-1135

Mortgage

Document Number	0000005367
Date	Sep 13, 2017
Instrument	5367

Lender

Name	FARMERS NAT'L BK
Type	Bank
Address	PROPHETSTOWN, IL 61277

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 12, 2027

Interest

Rate	4.95%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Prophetstown Township
Municipality	Prophetstown City
Unified School District	Prophetstown-Lyndon-Tampico Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,248 Land $4,495 Building $15,753
2024			$60,744 Land $13,485 Building $47,259
2023	$873.00

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

FEMA maps place 102 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1997–2018)
Most Recent Claim	Feb 2018 · 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 102 Locust St 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	PROPHETSTOWN serves 1,946 people · EPA ID IL1950400
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	2,000 / 1,000
Strada Communications Fiber	1,000 / 1,000

May also be available: Nextlink.

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