22862 Prophet Rd, Rock Falls, IL 61071 Property Records

Whiteside County property record for 22862 Prophet Rd, Rock Falls, IL 61071

Property Summary

Property Type	Single Family Home
Lot Size	2.13 acres (92,783 sqft)
Owner	Individual Name on File
Last Sale	$272,000 (May 2023)
Tax Bill	$7,749 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1616426016`

Property Details

APN / Parcel Number

Primary APN	`1616426016`
Alternative APNs	`115123` `83174`

Exterior

Lot Area	92,783 sqft (2.13 acres)

Location & Zoning

Account Number	115123
Street Address	22862 PROPHET RD
City	ROCK FALLS
State	IL
Zip	61071-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 1 SE SEC 16 TWP 20 RNG 6
Legal Range	06E
Legal Township	20N
Legal Section	16
Legal Subdivision	SOUTHEUTQUARTER SE 1/4 OF
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	HUME
Census Block Group	1
Census Block	1009
Census Tract	800

Owner

22862 Prophet Rd is owned and occupied by an individual who bought it in May 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	22862 PROPHET RD, ROCK FALLS, IL 61071-9538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2017	Deed of Trust, Mortgage · Line of Credit STERLING FEDERAL BANK FSB
Jan 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STERLING FEDERAL BANK
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Prior Sale	Nov 26, 2012 · Amount on File
Deed Document Number	20232337
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	22862 PROPHET RD, ROCK FALLS, IL 61071-9538
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004801
Date	Aug 18, 2017
Instrument	2017-04801

Lender

Name	STERLING FEDERAL BANK FSB
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	22862 PROPHET RD, ROCK FALLS, IL 61071-9538
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000293
Date	Jan 13, 2021
Instrument	2021-00293

Lender

Name	STERLING FEDERAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 17, 2023
Property Address	22862 PROPHET RD, ROCK FALLS, IL 61071-9538
Document Number	0000002337
Instrument Date	May 15, 2023
Instrument	2023-02337
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SANDY LN, DIXON, IL 61021

Mortgage

Document Number	0000002338
Date	May 17, 2023
Instrument	2023-02338

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 22862 Prophet Rd was $7,749.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Hume Township
Elementary School District	Montmorency Community Consolidated School District 145 (KG - 08)
Secondary School District	Rock Falls Township High School District 301 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,749.00	$99,790 Land $13,893 Building $85,897
2024			$299,370 Land $41,679 Building $257,691

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 22862 Prophet Rd 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	2 in force
Nearby Flood Claims	5 (1985–2018)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Feb 2018 · 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 22862 Prophet Rd is low, with less than 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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Strada Communications Fiber	1,000 / 1,000

May also be available: Nextlink.

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