1616 E 13th St, Sterling, IL 61081 Property Records

Whiteside County property record for 1616 E 13th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,173 sqft · built 1952
Lot Size	0.157 acres (6,850 sqft)
Owner	Individual Name on Record
Last Sale	$93,000 (Aug 2022)
Tax Bill	$3,114 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`1122207005`

Property Details

APN / Parcel Number

Primary APN	`1122207005`
Alternative APN	`112643`

Interior

Bedrooms	2 Beds
Building Area	1,173 sqft Building Perimeter
Basement Area	782 sqft
Unfinished Basement	782 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	6,850 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide
Garage Area	645 sqft

Location & Zoning

Account Number	112643
Street Address	1616 E 13TH ST
City	STERLING
State	IL
Zip	61081-2767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN SUBDIVISION LOT 5 208700X
Legal Subdivision	LINCOLN SUBDIVISION
Legal Lot Number	5
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3013
Census Tract	1300

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	1616 E 13TH ST, STERLING, IL 61081-2767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SAUK VALLEY BANK
Oct 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Deed Document Number	20225021
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 17, 2022
Property Address	1616 E 13TH ST, STERLING, IL 61081-2767
Document Number	0000005021
Instrument Date	Aug 12, 2022
Instrument	2022-05021
Transaction Type	Transfer
Record Updated	Sep 6, 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	206 WINDSOR RD, STERLING, IL 61081-3038

Mortgage

Document Number	0000005022
Date	Aug 17, 2022
Instrument	2022-05022

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1616 E 13TH ST, STERLING, IL 61081-2767
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202106984
Date	Oct 5, 2021
Instrument	2021-06984

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

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	$3,114.00 (+4.74%)	$36,664 (+6.23%) Land $2,531 Building $34,133
2024	$2,973.00	$34,514 Land $2,383 Building $32,131	$109,992 (+6.23%) Land $7,593 Building $102,399
2023			$103,542 Land $7,149 Building $96,393

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	1 (1984)
Most Recent Claim	Feb 1984 · tidal / storm surge

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 527 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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