1207 3rd Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 1207 3rd Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,144 sqft · built 1900
Lot Size	0.173 acres (7,546 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Jul 2024)
Tax Bill	$1,406 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Feb 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1121253008`

Property Details

APN / Parcel Number

Primary APN	`1121253008`
Alternative APNs	`108603` `119175`

Interior

Bedrooms	2 Beds
Building Area	1,144 sqft Building Perimeter
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,546 sqft (0.173 acres)

Location & Zoning

Account Number	119175
Street Address	1207 3RD AVE
City	STERLING
State	IL
Zip	61081-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT PLACE LOT 10 BLK 5 185300X
Legal Subdivision	SUMMIT PLACE BEING
Legal Block	5
Legal Lot Number	10
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2013
Census Tract	1101

Owner

1207 3rd Ave is owned by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1600 RIVERDALE RD, ROCK FALLS, IL 61071-2457
Owner Type	Individual
Vesting	Married

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
Jul 22, 2024	Warranty Deed, Transfer · Closed-End Mortgage FARMERS NATIONAL BANK
Feb 12, 2020	Warranty Deed, Transfer · Line of Credit STERLING BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2024 · Amount on File
Deed Sale	Jul 22, 2024 · Amount on File
Prior Sale	Feb 12, 2020 · Amount on File
Deed Document Number	20243297
Record Updated	Sep 20, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 22, 2024
Property Address	1207 3RD AVE, STERLING, IL 61081-2434
Document Number	0000003297
Instrument Date	Jul 19, 2024
Instrument	2024-03297
Transaction Type	Transfer
Record Updated	May 22, 2026

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	1207 3RD AVE, STERLING, IL 61081-2434

Mortgage

Document Number	0000003298
Date	Jul 22, 2024
Instrument	2024-03298

Lender

Name	FARMERS NATIONAL BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	63 Months
Due	Oct 19, 2029

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Feb 12, 2020
Property Address	1207 3RD AVE, STERLING, IL 61081-2434
Document Number	0000000859
Instrument Date	Feb 7, 2020
Instrument	859
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	610 AVENUE E #2ND STERLING IL 61081, 2ND, STERLING, IL 61081

Mortgage

Document Number	860
Date	Feb 12, 2020
Instrument	860

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 11, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.9%

Tax Assessment & Valuation

The 2025 property tax bill for 1207 3rd Ave was $1,406.

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	$1,406.00	$19,846 Land $3,699 Building $16,147
2024			$59,538 Land $11,097 Building $48,441
2022	$1,151.00 Additional exemption filed	$16,779 Land $3,128 Building $13,651	$50,337 Land $9,384 Building $40,953

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 1207 3rd Ave 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 1207 3rd 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 640 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	100 / 20

May also be available: Verizon.

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