108 Locust St, Prophetstown, IL 61277 Property Records

Whiteside County property record for 108 Locust St, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.138 acres (6,020 sqft)
Owner	Individual Name on File
Tax Bill	$3,165 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage Mar 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`1533352004`

Property Details

APN / Parcel Number

Primary APN	`1533352004`
Alternative APN	`94161`

Exterior

Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 42.7 ft wide

Location & Zoning

Account Number	94161
Street Address	108 LOCUST ST
City	PROPHETSTOWN
State	IL
Zip	61277-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF PROPHETSTOWN S 2 LT 3 & N 40'8 LT 4 BLK 2 67400X
Legal Subdivision	VILLAGE PROPHETSTOWN
Legal Block	2
Legal Lot Number	3-4
Jurisdiction	WHITESIDE IL
Township / Civil Division	PROPHETSTOWN
Census Block Group	1
Census Block	1018
Census Tract	700

Owner

108 Locust St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	108 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
May 7, 2018	Warranty Deed, Transfer · Conventional Mortgage IH MS VLY CU
Mar 2, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FARMERS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 7, 2018
Property Address	108 LOCUST ST, PROPHETSTOWN, IL 61277-1135
Document Number	0000002346
Instrument Date	May 4, 2018
Instrument	2346
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 LOCUST ST PROPHETSTOWN IL 612771135, PROPHETSTOWN, IL 61277-1135

Mortgage

Document Number	2347
Date	May 7, 2018
Instrument	2347

Lender

Name	IH MS VLY CU
Type	Credit Union
Address	2121 47TH ST, MOLINE, IL 61265-3663

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHITESIDE IL
Recording Date	Mar 2, 2018
Property Address	108 LOCUST ST, PROPHETSTOWN, IL 61277-1135
Instrument Date	Mar 1, 2018
Instrument	1070
Transaction Type	Construction Loan
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 LOCUST ST PROPHETSTOWN IL 612771135, PROPHETSTOWN, IL 61277-1135

Mortgage

Document Number	0000001070
Date	Mar 2, 2018
Instrument	1070

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 1, 2019

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 108 Locust St was $3,165.

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	$3,165.00	$44,208 Land $3,747 Building $40,461
2024			$132,624 Land $11,241 Building $121,383

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 108 Locust St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.

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
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 108 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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