16893 Polo Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 16893 Polo Rd, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual on Record
Last Sale	$205,000 (Jun 2019)
Tax Bill	$6,179 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1111200012`

Property Details

APN / Parcel Number

Primary APN	`1111200012`
Alternative APN	`99285`

Exterior

Lot Area	71,438 sqft (1.64 acres)

Location & Zoning

Account Number	99285
Street Address	16893 POLO RD
City	STERLING
State	IL
Zip	61081-8717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SATHOFF SUBD LOT 2
Legal Subdivision	SATHOFF SUBDIVISION
Legal Lot Number	2
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
Census Tract	900

Owner

Source: Whiteside County assessment roll, 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 on Record
Mailing Address	16893 POLO RD, STERLING, IL 61081-8717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage SAUK VALLEY BANK & TRUST CO
Aug 5, 2020	Deed of Trust, Mortgage SAUK VLY BK&TR
Jun 5, 2019	Warranty Deed, Transfer · Conventional Mortgage SAUK VLY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	20192888
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16893 POLO RD, STERLING, IL 61081-8717
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000926
Date	Feb 26, 2026
Instrument	2026-00926

Lender

Name	SAUK VALLEY BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 24, 2031

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16893 POLO RD, STERLING, IL 61081-8717
Document Number	0000005099
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16893 POLO RD STERLING IL 610818717, STERLING, IL 61081-8717

Mortgage

Document Number	0000005099
Date	Aug 18, 2020
Instrument	5099

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jun 5, 2019
Property Address	16893 POLO RD, STERLING, IL 61081-8717
Document Number	0000002888
Instrument Date	Jun 3, 2019
Instrument	2888
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1101 W 2ND ST ROCK FALLS IL 610711001, ROCK FALLS, IL 61071-1001

Mortgage

Document Number	2889
Date	Jun 5, 2019
Instrument	2889

Lender

Name	SAUK VLY BK&TR
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

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	$6,179.00	$86,828 Land $3,870 Building $82,958
2024			$260,484 Land $11,610 Building $248,874

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 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20

May also be available: Jo-Carroll Energy.

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