1204 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1204 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.202 acres (8,803 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,000 (Sep 2026)
Tax Bill	$3,789 (2025)
Deeds & Mortgages	Sep 2026 Sale & Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1115328025`

Property Details

APN / Parcel Number

Primary APN	`1115328025`
Alternative APN	`107751`

Exterior

Lot Area	8,803 sqft (0.202 acres)

Location & Zoning

Account Number	107751
Street Address	1204 E 20TH ST
City	STERLING
State	IL
Zip	61081-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #2 LOT 5 BLK 5 670100X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	5
Legal Lot Number	5
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1009
Census Tract	1200

Owner

Source: Whiteside County records, as of October 6, 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	2 Individual Names on Record
Mailing Address	1900 37TH AVE, STERLING, IL 61081-4280
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer · Line of Credit MILLEDGEVILLE STATE BANK
Mar 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST STATE BANK
May 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/WSTN MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Apr 4, 2012 · Amount on Record
Deed Document Number	20265035
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 17, 2026
Property Address	1204 E 20TH ST, STERLING, IL 61081-1430
Document Number	0000005035
Instrument Date	Sep 11, 2026
Instrument	20265035
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,816.00
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
Address	1900 37TH AVE, STERLING, IL 61081-4280

Mortgage

Document Number	0000005036,
Date	Sep 17, 2026
Instrument	20265036

Lender

Name	MILLEDGEVILLE STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2031

Interest

Rate	6.5%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1204 E 20TH ST, STERLING, IL 61081-1430
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101858
Date	Mar 16, 2021
Instrument	2021-01858

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1204 E 20TH ST, STERLING, IL 61081-1430
Document Number	0000002968
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 E 20TH ST STERLING IL 610811430, STERLING, IL 61081-1430

Mortgage

Document Number	0000002968
Date	May 26, 2017
Instrument	2968

Lender

Name	FIFTH THIRD BK/WSTN MI
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

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	$3,789.00	$43,312 Land $4,289 Building $39,023
2024			$129,936 Land $12,867 Building $117,069

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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