1404 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1404 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,618 sqft · built 1960
Lot Size	0.197 acres (8,602 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Sep 2026)
Tax Bill	$2,593 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1115328031`

Property Details

APN / Parcel Number

Primary APN	`1115328031`
Alternative APN	`113964`

Interior

Bedrooms	3 Beds
Building Area	1,618 sqft Building Perimeter

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	8,602 sqft (0.197 acres)

Location & Zoning

Account Number	113964
Street Address	1404 E 20TH ST
City	STERLING
State	IL
Zip	61081-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #2 LOT 14 BLK 5 671000X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	5
Legal Lot Number	14
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1009
Census Tract	1200

Owner

Source: Whiteside County records, as of September 29, 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	305 W METZEN ST, HARVARD, IL 60033-2747
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Dec 30, 2022	Warranty Deed, Transfer · Stand-Alone Refinance ZILLOW HOME LOANS LLC
Mar 25, 2022	Deed, Transfer
Jun 17, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Dec 30, 2022 · Amount on Record
Deed Document Number	20264889
Prior Transfer Date	Mar 15, 2022
Prior Transfer Doc	0000001778
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 10, 2026
Property Address	1404 E 20TH ST, STERLING, IL 61081-1434
Document Number	0000004889
Instrument Date	Sep 2, 2026
Instrument	20264889
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	GUARANTEED FL TITLE INC, GUARANTEED RATE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W METZEN ST, HARVARD, IL 60033-2747

Mortgage

Document Number	0000004890,
Date	Sep 10, 2026
Instrument	20264890

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate	7.38%
Max Rate	-1%

Mortgage

Document Number	0000004891,
Date	Sep 10, 2026
Instrument	20264891

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Dec 30, 2022
Property Address	1404 E 20TH ST, STERLING, IL 61081-1434
Document Number	0000007729
Instrument Date	Dec 28, 2022
Instrument	2022-07729
Transaction Type	Transfer
Record Updated	Jun 1, 2023

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	109 E 2ND ST APT 8, 8, PROPHETSTOWN, IL 61277-1248

Mortgage

Document Number	0000007730
Date	Dec 30, 2022
Instrument	2022-07730

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITESIDE IL
Recording Date	Mar 25, 2022
Property Address	1404 E 20TH ST, STERLING, IL 61081-1434
Document Number	0000001778
Instrument Date	Mar 15, 2022
Instrument	2022-01778
Transaction Type	Transfer
Record Updated	Jun 1, 2023

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	1405 CHURCHILL DR, DENTON, TX 76209-1262

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jun 17, 2021
Property Address	1404 E 20TH ST, STERLING, IL 61081-1434
Document Number	0000004235
Instrument Date	Jun 14, 2021
Instrument	2021-04235
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 E 20TH ST, STERLING, IL 61081-1434

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	$2,593.00	$31,538 Land $4,289 Building $27,249
2024			$94,614 Land $12,867 Building $81,747

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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