304 Tree Ln, Prophetstown, IL 61277 Property Records

Whiteside County property record for 304 Tree Ln, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.485 acres (21,136 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Sep 2026)
Tax Bill	$4,686 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1534353004`

Property Details

APN / Parcel Number

Primary APN	`1534353004`
Alternative APN	`80568`

Exterior

Lot Area	21,136 sqft (0.485 acres)

Location & Zoning

Account Number	80568
Street Address	304 TREE LN
City	PROPHETSTOWN
State	IL
Zip	61277-9118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOK HAVEN SUBD LOT 1 BLK 1 119100X
Legal Subdivision	BROOK HAVEN SUBDIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	PROPHETSTOWN
Census Block Group	1
Census Block	1029
Census Tract	700

Owner

Source: Whiteside County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	301 W 15TH ST, C4, ROCK FALLS, IL 61071-3063
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FARMERS NATIONAL BANK
Jun 22, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2026 · Amount on Record
Deed Sale	Sep 9, 2026 · Amount on Record
Prior Sale	Apr 20, 2015 · Amount on Record
Deed Document Number	20264883
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 9, 2026
Property Address	304 TREE LN, PROPHETSTOWN, IL 61277-9118
Document Number	0000004883
Instrument Date	Sep 1, 2026
Instrument	20264883
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004884,
Date	Sep 9, 2026
Instrument	20264884

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	304 TREE LN, PROPHETSTOWN, IL 61277-9118
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002995
Date	Jun 22, 2023
Instrument	2023-02995

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	304 TREE LN, PROPHETSTOWN, IL 61277-9118
Document Number	0000003749
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	304 TREE LN PROPHETSTOWN IL 612779118, PROPHETSTOWN, IL 61277-9118

Mortgage

Document Number	0000003749
Date	Jun 29, 2020
Instrument	3749

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 28, 2045

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	$4,686.00 (+11.41%)	$62,556 (+12.94%) Land $5,995 Building $56,561
2024	$4,206.00	$55,389 Land $5,308 Building $50,081	$187,668 (+12.94%) Land $17,985 Building $169,683
2023			$166,167 Land $15,924 Building $150,243

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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 49 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

Cell Coverage

5G (outdoors only) and 4G LTE

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