720 Smit Rd, Prophetstown, IL 61277 Property Records

Whiteside County property record for 720 Smit Rd, Prophetstown, IL 61277

Property Summary

Property Type	Single Family Home
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,000 (Jul 2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2035200003`

Property Details

APN / Parcel Number

Primary APN	`2035200003`
Alternative APN	`87736`

Exterior

Lot Area	40,075 sqft (0.92 acres)

Location & Zoning

Account Number	87736
Street Address	720 SMIT RD
City	PROPHETSTOWN
State	IL
Zip	61277-9712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHORTS ADDITION LOT 1 SEC 35 TWP 19 RNG 4
Legal Range	04E
Legal Township	19N
Legal Section	35
Legal Subdivision	SHORTS ADDITION
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	PORTLAND
Census Block Group	2
Census Block	2078
Census Tract	700

Owner

Source: Whiteside County records, as of July 21, 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	1218 ELM PL, DIXON, IL 61021-4117
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage VALLEY BANK AND TRUST COMPANY
Nov 24, 2020	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Mar 21, 2013 · Amount on Record
Deed Document Number	20263409
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 2, 2026
Property Address	720 SMIT RD, PROPHETSTOWN, IL 61277-9712
Document Number	0000003409
Instrument Date	Jul 1, 2026
Instrument	20263409
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,874.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 ELM PL, DIXON, IL 61021-4117

Mortgage

Document Number	0000003410,
Date	Jul 2, 2026
Instrument	20263410

Lender

Name	VALLEY BANK AND TRUST COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	720 SMIT RD, PROPHETSTOWN, IL 61277-9712
Document Number	0000008084
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	720 SMIT RD PROPHETSTOWN IL 612779712, PROPHETSTOWN, IL 61277-9712

Mortgage

Document Number	0000008084
Date	Dec 10, 2020
Instrument	8084

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2050

Interest

Rate	2.49%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Portland Township
Unified School District	Erie Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$86,711 (+8.87%) Land $3,609 Building $83,102
2024	$79,646 Land $3,315 Building $76,331	$260,133 (+8.87%) Land $10,827 Building $249,306
2023		$238,938 Land $9,945 Building $228,993

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1986–2026)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2026 · other causes

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Strada Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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