105 7th Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 105 7th Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1122358011`

Property Details

APN / Parcel Number

Primary APN	`1122358011`
Alternative APNs	`1122358014` `107150`

Exterior

Lot Width	150 ft Width

Location & Zoning

Account Number	107150
Street Address	105 7TH AVE
City	STERLING
State	IL
Zip	61081-3922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST OF BROADWAY N 2/3 LOTS 7, 8 & 9 BLK 48 & 20FT VAC ST
Legal Subdivision	WEST OF BROADWAY
Legal Block	48
Legal Lot Number	7-9
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3043
Census Tract	1200

Owner

105 7th Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	105 7TH AVE, STERLING, IL 61081-3922
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
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY BANK AND TRUST COMPANY
Jul 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage SAUK VALLEY BANK & TRUST CO
Dec 5, 2022	Deed of Trust, Mortgage · ARM SAUK VALLEY BANK
Oct 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAUK VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Aug 14, 2026
Property Address	105 7TH AVE, STERLING, IL 61081-3922
Document Number	0000004392
Instrument Date	Jul 20, 2026
Instrument	20264392
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 7TH AVE, STERLING, IL 61081-3922

Mortgage

Document Number	0000004392,
Date	Aug 14, 2026
Instrument	20264392

Lender

Name	VALLEY BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 24, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	105 7TH AVE, STERLING, IL 61081-3922
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003578
Date	Jul 24, 2023
Instrument	2023-03578

Lender

Name	SAUK VALLEY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jul 1, 2030

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	105 7TH AVE, STERLING, IL 61081-3922
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007206
Date	Dec 5, 2022
Instrument	2022-07206

Lender

Name	SAUK VALLEY BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Index	1-Year CMT

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	105 7TH AVE, STERLING, IL 61081-3922
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006059
Date	Oct 5, 2022
Instrument	2022-06059

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 105 7th Ave was $2,084 with a senior citizen's exemption.

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	$2,084.00	$40,261 Land $6,601 Building $33,660
2024			$120,783 Land $19,803 Building $100,980

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

Flood

FEMA maps place 105 7th Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Claims	4 (1985)
Most Recent Claim	Mar 1985 · tidal / storm surge

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

The area around 105 7th 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 351 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
Rise Broadband Fixed Wireless	250 / 50

May also be available: Verizon.

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