45 Ferry St, Prophetstown, IL 61277 Property Records

Whiteside County property record for 45 Ferry St, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$6,500 (Oct 2017)
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1533302007`

Property Details

APN / Parcel Number

Primary APN	`1533302007`
Alternative APN	`109329`

Exterior

Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Account Number	109329
Street Address	45 FERRY ST
City	PROPHETSTOWN
State	IL
Zip	61277-1034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESURVEY BLOCK 16 CI LOT 5 BLK 16 80700X
Legal Subdivision	ORIGINAL TOWN OF PROPHETSTOWN
Legal Block	16
Legal Lot Number	5
Jurisdiction	WHITESIDE IL
Township / Civil Division	PROPHETSTOWN
Census Block Group	1
Census Block	1015
Census Tract	700

Owner

Source: Whiteside County records, as of May 22, 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	45 FERRY ST, PROPHETSTOWN, IL 61277-1034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · ARM IH MISSISSIPPI VALLEY CREDIT UNION
Aug 17, 2021	Quit Claim Deed, Transfer · ARM IH MISSISSIPPI VALLEY CREDIT UNION
Oct 18, 2017	Warranty Deed, Transfer PLAZA HM MTG
Oct 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2017 · Amount on Record
Deed Sale	Oct 18, 2017 · Amount on Record
Prior Sale	Oct 18, 2017 · Amount on Record
Deed Document Number	20176237
Last Transfer Date	Aug 9, 2021
Transfer Doc	0000005761
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	45 FERRY ST, PROPHETSTOWN, IL 61277-1034
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005762
Date	Aug 17, 2021
Instrument	2021-05762

Lender

Name	IH MISSISSIPPI VALLEY CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2028
Index	1-Year CMT

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 17, 2021
Property Address	45 FERRY ST, PROPHETSTOWN, IL 61277-1034
Document Number	0202105761
Instrument Date	Aug 9, 2021
Instrument	2021-05761
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 FERRY ST, PROPHETSTOWN, IL 61277-1034

Mortgage

Document Number	0202105762
Date	Aug 17, 2021
Instrument	2021-05762

Lender

Name	IH MISSISSIPPI VALLEY CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2028
Index	1-Year CMT

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 18, 2017
Property Address	45 FERRY ST, PROPHETSTOWN, IL 61277-1034
Document Number	0000006236
Instrument Date	Sep 15, 2017
Instrument	6236
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 FERRY ST PROPHETSTOWN IL 612771034, PROPHETSTOWN, IL 61277-1034

Mortgage

Document Number	6238
Date	Oct 18, 2017
Instrument	6238

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2047

Interest

Rate	5.25%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 18, 2017
Property Address	45 FERRY ST, PROPHETSTOWN, IL 61277-1034
Document Number	0000006237
Instrument Date	Sep 14, 2017
Instrument	6237
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 FERRY ST PROPHETSTOWN IL 612771034, PROPHETSTOWN, IL 61277-1034

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	$1,395.00	$22,840 Land $5,395 Building $17,445
2024			$68,520 Land $16,185 Building $52,335

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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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