1403 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1403 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,178 sqft)
Owner	Individual Name on Record
Last Sale	$27,666 (Oct 2018)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1115376013`

Property Details

APN / Parcel Number

Primary APN	`1115376013`
Alternative APN	`95850`

Exterior

Lot Area	7,178 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide

Location & Zoning

Account Number	95850
Street Address	1403 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 11 BLK 3 666600X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	3
Legal Lot Number	11
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	1403 E 20TH ST, STERLING, IL 61081-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2018	Deed of Trust, Mortgage · Conventional with PMI STERLING BK
Oct 15, 2018	Warranty Deed, Transfer · Conventional with PMI STERLING BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	20185689
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1403 E 20TH ST, STERLING, IL 61081-1433
Document Number	0000005690
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	SAUK VALLEY TITLE, SAUK VLY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1403 E 20TH ST STERLING IL 610811433, STERLING, IL 61081-1433

Mortgage

Document Number	0000005690
Date	Oct 15, 2018
Instrument	5690

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Oct 14, 2043

Interest

Rate	5%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 15, 2018
Property Address	1403 E 20TH ST, STERLING, IL 61081-1433
Document Number	0000005689
Instrument Date	Oct 5, 2018
Instrument	5689
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	SAUK VALLEY TITLE, SAUK VLY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2306 4TH AVE STERLING IL 610811307, STERLING, IL 61081-1307

Mortgage

Document Number	5690
Date	Oct 15, 2018
Instrument	5690

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Oct 14, 2043

Interest

Rate	5%

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	$3,121.00	$36,732 Land $4,289 Building $32,443
2024			$110,196 Land $12,867 Building $97,329

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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