1105 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1105 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	1,181 sqft · built 1964
Lot Size	0.186 acres (8,141 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Apr 2008)
Tax Bill	$4,195 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1115376005`

Property Details

APN / Parcel Number

Primary APN	`1115376005`
Alternative APN	`112288`

Interior

Building Area	1,181 sqft Building Perimeter
Basement Area	1,181 sqft
Unfinished Basement	1,181 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	8,141 sqft (0.186 acres)
Garage Area	240 sqft

Location & Zoning

Account Number	112288
Street Address	1105 E 20TH ST
City	STERLING
State	IL
Zip	61081-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #2 LOT 3 BLK 3 665800X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	3
Legal Lot Number	3
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1010
Census Tract	1200

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	Individual Name on Record
Mailing Address	1105 E 20TH ST, STERLING, IL 61081-1428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT
May 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT
Jul 5, 2022	Deed, Transfer · FHA Mortgage NOVUS HOME MORTGAGE
Sep 7, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2008 · Amount on Record
Deed Sale	Apr 17, 2008 · Amount on Record
Deed Document Number	20083012-2008
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1105 E 20TH ST, STERLING, IL 61081-1428
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005942
Date	Dec 4, 2023
Instrument	2023-05942

Lender

Name	SECRETARY OF HSNG AND URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jul 1, 2052

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1105 E 20TH ST, STERLING, IL 61081-1428
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002086
Date	May 4, 2023
Instrument	2023-02086

Lender

Name	SECRETARY OF HSNG AND URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jul 1, 2052

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 5, 2022
Property Address	1105 E 20TH ST, STERLING, IL 61081-1428
Document Number	0000004046
Instrument Date	Jun 30, 2022
Instrument	2022-04046
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

Amount	Amount Recorded
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
Address	2209 DEETS RD, STERLING, IL 61081-9258

Mortgage

Document Number	0000004047
Date	Jul 5, 2022
Instrument	2022-04047

Lender

Name	NOVUS HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 7, 2021
Property Address	1105 E 20TH ST, STERLING, IL 61081-1428
Document Number	0202106219
Instrument Date	Sep 1, 2021
Instrument	2021-06219
Transaction Type	Transfer
Record Updated	Sep 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3555 7TH AVE, STERLING, IL 61081-4027

Tax Assessment & Valuation

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	$4,195.00	$47,308 Land $4,289 Building $43,019
2024			$141,924 Land $12,867 Building $129,057

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

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

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 587 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
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband.

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