12540 Garden Plain Rd, Morrison, IL 61270 Property Records

Whiteside County property record for 12540 Garden Plain Rd, Morrison, IL 61270

Property Summary

Property Type	Single Family Home
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Nov 2006)
Tax Bill	$4,997 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0811401005`

Property Details

APN / Parcel Number

Primary APN	`0811401005`
Alternative APN	`48681`

Exterior

Lot Area	108,900 sqft (2.5 acres)

Location & Zoning

Account Number	48681
Street Address	12540 GARDEN PLAIN RD
City	MORRISON
State	IL
Zip	61270-9635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 BTWN RD & FENCE SEC 11 TWP 21 RNG 4 12400X
Legal Range	04E
Legal Township	21N
Legal Section	11
Jurisdiction	WHITESIDE IL
Township / Civil Division	UNION GROVE
Census Block Group	3
Census Block	3001
Census Tract	300

Owner

12540 Garden Plain Rd is owned and occupied by an individual who bought it in November 2006.

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

Owner of Record	Individual Name on File
Mailing Address	12540 GARDEN PLAIN RD, MORRISON, IL 61270-9635
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
Jun 16, 2020	Deed of Trust, Mortgage · Conventional with PMI FARMERS NAT'L BK
Sep 3, 2019	Deed of Trust, Mortgage · Conventional with PMI FARMERS NAT'L BK
Feb 15, 2018	Quit Claim Deed, Mortgage · Conventional with PMI FARMERS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2006 · Amount on File
Deed Sale	Nov 14, 2006 · Amount on File
Deed Document Number	20069657-2006
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	12540 GARDEN PLAIN RD, MORRISON, IL 61270-9635
Document Number	0000003672
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12540 GARDEN PLAIN RD MORRISON IL 612709635, MORRISON, IL 61270-9635

Mortgage

Document Number	0000003672
Date	Jun 24, 2020
Instrument	3672

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jun 23, 2035

Interest

Rate	2.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	12540 GARDEN PLAIN RD, MORRISON, IL 61270-9635
Document Number	0000004951
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12540 GARDEN PLAIN RD MORRISON IL 612709635, MORRISON, IL 61270-9635

Mortgage

Document Number	0000004951
Date	Sep 11, 2019
Instrument	4951

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2049

Interest

Rate	5%

February 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Feb 15, 2018
Property Address	12540 GARDEN PLAIN RD, MORRISON, IL 61270-9635
Document Number	0000000792
Instrument Date	Dec 12, 2017
Instrument	792
Transaction Type	Mortgage
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12540 GARDEN PLAIN RD MORRISON IL 612709635, MORRISON, IL 61270-9635

Mortgage

Document Number	793
Date	Feb 15, 2018
Instrument	793

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2048

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 12540 Garden Plain Rd was $4,997.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Union Grove Township
Unified School District	Morrison Community Unit School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,997.00	$75,419 Land $9,419 Building $66,000
2024			$226,257 Land $28,257 Building $198,000

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 12540 Garden Plain Rd 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1997–2008)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2008 · 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

Wildfire risk around 12540 Garden Plain Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jo-Carroll Energy Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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