1409 Heritage Ln, Sterling, IL 61081 Property Records

Whiteside County property record for 1409 Heritage Ln, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.643 acres (28,042 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2009)
Tax Bill	$5,117 (2025)
Deeds & Mortgages	Apr 2023 Transfer Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1110378002`

Property Details

APN / Parcel Number

Primary APN	`1110378002`
Alternative APN	`88188`

Exterior

Lot Area	28,042 sqft (0.643 acres)

Location & Zoning

Account Number	88188
Street Address	1409 HERITAGE LN
City	STERLING
State	IL
Zip	61081-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLONIAL ACRES EST LOT 8 690000X
Legal Subdivision	COLONIAL ACRES ESTATE
Legal Lot Number	8
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3014
Census Tract	900

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	1409 HERITAGE LN, STERLING, IL 61081-4017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Transfer on Death Deed, Transfer
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPS CU
May 15, 2018	Deed of Trust, Mortgage · Line of Credit DEERE EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2009 · Amount on Record
Deed Sale	Dec 17, 2009 · Amount on Record
Deed Document Number	200910180-2009
Last Transfer Date	Apr 18, 2023
Transfer Doc	0000001890
Record Updated	Sep 20, 2026

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 24, 2023
Property Address	1409 HERITAGE LN, STERLING, IL 61081-4017
Document Number	0000001890
Instrument Date	Apr 18, 2023
Instrument	2023-01890
Transaction Type	Transfer
Record Updated	May 16, 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	3013 BOONES TRCE, CRESTWOOD, KY 40014-9705

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1409 HERITAGE LN, STERLING, IL 61081-4017
Document Number	0000006817
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 HERITAGE LN STERLING IL 610814017, STERLING, IL 61081-4017

Mortgage

Document Number	0000006817
Date	Dec 9, 2019
Instrument	6817

Lender

Name	DEERE EMPS CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1409 HERITAGE LN, STERLING, IL 61081-4017
Document Number	0000002667
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	May 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 HERITAGE LN STERLING IL 610814017, STERLING, IL 61081-4017

Mortgage

Document Number	0000002667
Date	May 22, 2018
Instrument	2667

Lender

Name	DEERE EMPS CU
Type	Credit Union
Address	MOLINE, IL 61266-0339

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	May 21, 2025

Interest

Rate Type	Adjustable Rate

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
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,117.00	$72,939 Land $9,682 Building $63,257
2024			$218,817 Land $29,046 Building $189,771

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (2002)
Most Recent Claim	Jun 2002 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband, Surf Internet.

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