1401 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1401 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,172 sqft · built 1967
Lot Size	0.164 acres (7,178 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Apr 2022)
Tax Bill	$5,674 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1115376012`

Property Details

APN / Parcel Number

Primary APN	`1115376012`
Alternative APN	`111318`

Interior

Bedrooms	3 Beds
Building Area	1,172 sqft Building Perimeter
Basement Area	506 sqft
Unfinished Basement	506 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	7,178 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Area	460 sqft

Location & Zoning

Account Number	111318
Street Address	1401 E 20TH ST
City	STERLING
State	IL
Zip	61081-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #2 LOT 10 BLK 3 666500X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	3
Legal Lot Number	10
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1010
Census Tract	1200

Owner

Source: Whiteside County records, as of October 19, 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	1401 E 20TH ST, STERLING, IL 61081-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Apr 1, 2022	Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC
Mar 28, 2017	Warranty Deed, Transfer · VA Mortgage HOMEOWNERS FIN'L GRP USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	20221962
Prior Transfer Date	Oct 22, 2012
Prior Transfer Doc	0201208907
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1401 E 20TH ST, STERLING, IL 61081-1433
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006926
Date	Oct 27, 2020
Instrument	2020-06926

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 1, 2022
Property Address	1401 E 20TH ST, STERLING, IL 61081-1433
Document Number	0000001962
Instrument Date	Mar 31, 2022
Instrument	2022-01962
Transaction Type	Transfer
Record Updated	Apr 19, 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	1401 E 20TH ST, STERLING, IL 61081-1433

Mortgage

Document Number	0000001963
Date	Apr 1, 2022
Instrument	2022-01963

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Mar 28, 2017
Property Address	1401 E 20TH ST, STERLING, IL 61081-1433
Document Number	0000001694
Instrument Date	Mar 24, 2017
Instrument	1694
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$203.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 E 20TH ST STERLING IL 610811433, STERLING, IL 61081-1433

Mortgage

Document Number	1695
Date	Mar 28, 2017
Instrument	1695

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 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	$5,674.00 (+4.17%)	$61,871 (+6.23%) Land $4,289 Building $57,582
2024	$5,447.00	$58,242 Land $4,037 Building $54,205	$185,613 (+6.23%) Land $12,867 Building $172,746
2023			$174,726 Land $12,111 Building $162,615

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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