1005 2nd Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 1005 2nd Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,903 sqft · built 1900
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 2022)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	Jul 2022 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1121258010`

Property Details

APN / Parcel Number

Primary APN	`1121258010`
Alternative APN	`111612`

Interior

Bedrooms	3 Beds
Building Area	1,903 sqft Building Perimeter
Basement Area	703 sqft
Unfinished Basement	703 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	169 ft deep x 50 ft wide
Garage Area	440 sqft

Location & Zoning

Account Number	111612
Street Address	1005 2ND AVE
City	STERLING
State	IL
Zip	61081-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DNSMOR-PENGTON-COE ADD S 1/2 LOT 2 BLK 6 305000X
Legal Subdivision	DNSMOR-PENGTON-COE ADDITION
Legal Block	6
Legal Lot Number	2
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3038
Census Tract	1101

Owner

1005 2nd Ave is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1005 2ND AVE, STERLING, IL 61081-2322
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage COMMUNITY STATE BANK OF ROCK FALLS
May 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY STATE BANK OF ROCK FALLS
Jun 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FINANCE OF AMER MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Jun 16, 2021 · Amount on File
Deed Document Number	20222734
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1005 2ND AVE, STERLING, IL 61081-2322
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004048
Date	Jul 5, 2022
Instrument	2022-04048

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2051

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	May 5, 2022
Property Address	1005 2ND AVE, STERLING, IL 61081-2322
Document Number	0000002734
Instrument Date	May 5, 2022
Instrument	2022-02734
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 with Right of Survivorship
Address	1005 2ND AVE, STERLING, IL 61081-2322

Mortgage

Document Number	0000002735
Date	May 5, 2022
Instrument	2022-02735

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jun 16, 2021
Property Address	1005 2ND AVE, STERLING, IL 61081-2322
Document Number	0202104207
Instrument Date	Jun 11, 2021
Instrument	2021-04207
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	805 W 3RD ST, STERLING, IL 61081-3317

Mortgage

Document Number	0202104208
Date	Jun 16, 2021
Instrument	2021-04208

Lender

Name	FINANCE OF AMER MTG

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1005 2nd Ave was $3,286.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Sterling Township
Municipality	Sterling City
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,286.00	$38,353 Land $3,699 Building $34,654
2024			$115,059 Land $11,097 Building $103,962

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 1005 2nd Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1005 2nd Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	IL AMERICAN-STERLING private · serves 14,782 people · EPA ID IL1955040
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surf Internet Fiber	1,000 / 1,000

May also be available: Rise Broadband, Verizon.

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