16640 Sand Rd, Fulton, IL 61252 Property Records

Whiteside County property record for 16640 Sand Rd, Fulton, IL 61252

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$839,500 (May 2016)
Tax Bill	$11,772 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0711100006`

Property Details

APN / Parcel Number

Primary APN	`0711100006`
Alternative APNs	`123789` `58124`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	123789
Street Address	16640 SAND RD
City	FULTON
State	IL
Zip	61252-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW NWSEC 11 TWP 21 RNG 3
Legal Range	03E
Legal Township	21N
Legal Section	11
Jurisdiction	WHITESIDE IL
Township / Civil Division	GARDEN PLAIN
Census Block Group	3
Census Block	3028
Census Tract	400

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	16640 SAND RD, FULTON, IL 61252-9777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage CITIZENS FIRST BK
Jun 22, 2020	Deed of Trust, Construction Loan · Line of Credit FARMERS NAT'L BK
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit IOWA ST BK
Apr 16, 2020	Deed of Trust, Mortgage CITIZENS FIRST BK
Feb 20, 2018	Deed of Trust, Mortgage CITIZENS FIRST BK
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS FIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2016 · Amount on Record
Deed Sale	May 23, 2016 · Amount on Record
Deed Document Number	20162791
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000006014
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000006014
Date	Sep 18, 2020
Instrument	6014

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2040

Interest

Rate	3%

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Jun 22, 2020
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000003547
Instrument Date	Jun 13, 2020
Instrument	3547
Transaction Type	Construction Loan
Record Updated	Jul 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000003547
Date	Jun 22, 2020
Instrument	3547

Lender

Name	FARMERS NAT'L BK
Type	Bank
Address	PROPHETSTOWN, IL 61277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 21, 2021

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000003217
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000003217
Date	Jun 8, 2020
Instrument	3217

Lender

Name	IOWA ST BK
Type	Bank
Address	HULL, IA 51239

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000002252
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000002252
Date	Apr 24, 2020
Instrument	2252

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

Interest

Rate	4%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000001046
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000001046
Date	Mar 1, 2018
Instrument	1046

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 29, 2048

Interest

Rate	5.37%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16640 SAND RD, FULTON, IL 61252-9777
Document Number	0000002165
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16640 SAND RD FULTON IL 612529777, FULTON, IL 61252-9777

Mortgage

Document Number	0000002165
Date	Apr 18, 2017
Instrument	2165

Lender

Name	CITIZENS FIRST BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2037

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	Garden Plain Township
Unified School District	River Bend Community Unit District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,772.00	$176,505 Land $4,452 Building $172,053
2024			$529,515 Land $13,356 Building $516,159

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jo-Carroll Energy Fiber	1,000 / 1,000

May also be available: Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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