103 W 3rd St, Sterling, IL 61081 Property Records

Whiteside County property record for 103 W 3rd St, Sterling, IL 61081

Property Summary

Property Type	Commercial
Lot Size	0.111 acres (4,814 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Mar 2015)
Tax Bill	$4,821 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Aug 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1121461004`

Property Details

APN / Parcel Number

Primary APN	`1121461004`
Alternative APN	`87052`

Exterior

Lot Area	4,814 sqft (0.111 acres)
Lot Dimensions	82.5 ft deep x 58 ft wide

Location & Zoning

Account Number	87052
Street Address	103 W 3RD ST
City	STERLING
State	IL
Zip	61081-3504
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	WALLACE ADD LOT 1 & 10' LOT 5 BTWN 1 & 2 & N 82.2' OF E 22' LOT 5 BLK 2 19700X
Legal Subdivision	WALLACE ADDITION
Legal Block	2
Legal Lot Number	1,5
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2101
Census Tract	1102

Owner

103 W 3rd St, a commercial property, is owned by an individual who bought it in March 2015.

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

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

Owner of Record	Individual Name on File
Mailing Address	103 W 3RD ST, STERLING, IL 61081-3504
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK ILLINOIS
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL
Mar 25, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL
Nov 16, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2015 · Amount on File
Deed Sale	Mar 17, 2015 · Amount on File
Prior Sale	Nov 25, 2013 · Amount on File
Deed Document Number	20151484
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003570
Date	Jul 21, 2023
Instrument	2023-03570

Lender

Name	CENTRAL BANK ILLINOIS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Document Number	0000004653
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	HB WILKINSON TITLE COMPANY, HB WILKINSON TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4501 WOODLAWN RD STERLING IL 610814307, STERLING, IL 61081-4307

Mortgage

Document Number	0000004653
Date	Aug 29, 2019
Instrument	4653

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	PRINCETON, IL 61356

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Aug 28, 2022

Interest

Rate Type	Adjustable Rate
Rate	5.75%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Document Number	0000001525
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4501 WOODLAWN RD STERLING IL 610814307, STERLING, IL 61081-4307

Mortgage

Document Number	0000001525
Date	Mar 29, 2019
Instrument	1525

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	PRINCETON, IL 61356

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 28, 2029

Interest

Rate Type	Adjustable Rate
Rate	6%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Document Number	0000006729
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 19TH ST STERLING IL 610811334, STERLING, IL 61081-1334

Mortgage

Document Number	0000006729
Date	Dec 4, 2018
Instrument	6729

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	PRINCETON, IL 61356

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 3, 2028

Interest

Rate Type	Adjustable Rate
Rate	6.25%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Document Number	0000005750
Instrument Date	Oct 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 19TH ST STERLING IL 610811334, STERLING, IL 61081-1334

Mortgage

Document Number	0000005750
Date	Oct 18, 2018
Instrument	5750

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	PRINCETON, IL 61356

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.75%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	103 W 3RD ST, STERLING, IL 61081-3504
Document Number	0000003681
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jul 7, 2017
Title Company	HB WILKINSON TITLE COMPANY, HB WILKINSON TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E 19TH ST STERLING IL 610811334, STERLING, IL 61081-1334

Mortgage

Document Number	0000003681
Date	Jun 28, 2017
Instrument	3681

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	PRINCETON, IL 61356

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Jun 27, 2019

Interest

Rate Type	Adjustable Rate
Rate	5.49%

Tax Assessment & Valuation

The 2025 property tax bill for 103 W 3rd St was $4,821.

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	$4,821.00	$47,472 Land $14,068 Building $33,404
2024			$142,416 Land $42,204 Building $100,212

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 103 W 3rd St 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 103 W 3rd St 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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Rise Broadband Fixed Wireless	250 / 50

May also be available: Surf Internet, Verizon.

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