48 Ferry St, Prophetstown, IL 61277 Property Records

Whiteside County property record for 48 Ferry St, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,500 (Nov 2020)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Aug 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1533301009`

Property Details

APN / Parcel Number

Primary APN	`1533301009`
Alternative APN	`108276`

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Location & Zoning

Account Number	108276
Street Address	48 FERRY ST
City	PROPHETSTOWN
State	IL
Zip	61277-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW SEC 33 TWP 20 RNG 5 14801X
Legal Range	05E
Legal Township	20N
Legal Section	33
Jurisdiction	WHITESIDE IL
Township / Civil Division	PROPHETSTOWN
Census Block Group	1
Census Block	1049
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	2 Individual Names on Record
Mailing Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS NATIONAL BANK
Sep 6, 2023	Deed of Trust, Mortgage · Closed-End Mortgage FARMERS NATIONAL BANK
Oct 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS NATIONAL BANK
May 17, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 12, 2020	Warranty Deed, Transfer · Line of Credit FARMERS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	20207398
Last Transfer Date	Mar 9, 2021
Transfer Doc	0202103379
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 5, 2026
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Document Number	0000005389
Instrument Date	Sep 29, 2026
Instrument	20265389
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,482.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000005390,
Date	Oct 5, 2026
Instrument	20265390

Lender

Name	UNION CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Aug 20, 2026
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Document Number	0000004506
Instrument Date	Jul 31, 2026
Instrument	20264506
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	KENZLEY TITLE GROUP LLC, KENZLEY TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035

Mortgage

Document Number	0000004506,
Date	Aug 20, 2026
Instrument	20264506

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2036

Interest

Rate Type	Fixed Rate
Rate	7.5%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004353
Date	Sep 6, 2023
Instrument	2023-04353

Lender

Name	FARMERS NATIONAL BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Aug 30, 2033

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202107037
Date	Oct 7, 2021
Instrument	2021-07037

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 17, 2021
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Document Number	0202103379
Instrument Date	Mar 9, 2021
Instrument	2021-03379
Transaction Type	Transfer
Record Updated	Jun 9, 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
Relationship	Tenants by the Entirety
Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Nov 12, 2020
Property Address	48 FERRY ST, PROPHETSTOWN, IL 61277-1035
Document Number	0000007398
Instrument Date	Oct 29, 2020
Instrument	7398
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 FERRY ST PROPHETSTOWN IL 612771035, PROPHETSTOWN, IL 61277-1035

Mortgage

Document Number	7399
Date	Nov 12, 2020
Instrument	7399

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 11, 2030

Interest

Rate Type	Adjustable Rate
Rate	4.45%

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	$2,362.00 (+12.96%)	$39,727 (+12.94%) Land $4,239 Building $35,488
2024	$2,091.00	$35,175 Land $3,753 Building $31,422	$119,181 (+12.94%) Land $12,717 Building $106,464
2023			$105,525 Land $11,259 Building $94,266

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	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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