1203 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1203 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,150 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Aug 2021)
Tax Bill	$4,783 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1115376007`

Property Details

APN / Parcel Number

Primary APN	`1115376007`
Alternative APN	`109339`

Exterior

Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide

Location & Zoning

Account Number	109339
Street Address	1203 E 20TH ST
City	STERLING
State	IL
Zip	61081-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #2 LT 5 BLK 3 666000X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	3
Legal Lot Number	5
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	1203 E 20TH ST, STERLING, IL 61081-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NOVUS HOME MORTGAGE
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAUK VLY BK&TR
Nov 9, 2017	Deed of Trust, Mortgage · Line of Credit SAUK VLY BK&TR
Oct 18, 2017	Deed of Trust, Mortgage · Conventional with PMI SAUK VLY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on Record
Deed Sale	Aug 17, 2021 · Amount on Record
Prior Sale	Apr 16, 2015 · Amount on Record
Deed Document Number	20215792
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 17, 2021
Property Address	1203 E 20TH ST, STERLING, IL 61081-1429
Document Number	0202105792
Instrument Date	Aug 13, 2021
Instrument	2021-05792
Transaction Type	Transfer
Record Updated	Sep 7, 2021

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	1203 E 20TH ST, STERLING, IL 61081-1429

Mortgage

Document Number	0202105793
Date	Aug 17, 2021
Instrument	2021-05793

Lender

Name	NOVUS HOME MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1203 E 20TH ST, STERLING, IL 61081-1429
Document Number	0000005358
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1203 E 20TH ST STERLING IL 610811429, STERLING, IL 61081-1429

Mortgage

Document Number	0000005358
Date	Aug 27, 2020
Instrument	5358

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1203 E 20TH ST, STERLING, IL 61081-1429
Document Number	0000006986
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1203 E 20TH ST STERLING IL 610811429, STERLING, IL 61081-1429

Mortgage

Document Number	0000006986
Date	Nov 17, 2017
Instrument	6986

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 16, 2022

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1203 E 20TH ST, STERLING, IL 61081-1429
Document Number	0000006382
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1203 E 20TH ST STERLING IL 610811429, STERLING, IL 61081-1429

Mortgage

Document Number	0000006382
Date	Oct 24, 2017
Instrument	6382

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$4,783.00	$53,092 Land $4,289 Building $48,803
2024			$159,276 Land $12,867 Building $146,409

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

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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