16903 Polo Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 16903 Polo Rd, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	1.42 acres (61,855 sqft)
Owner	Individual Name on Record
Last Sale	$163,000 (Mar 2010)
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1111200011`

Property Details

APN / Parcel Number

Primary APN	`1111200011`
Alternative APN	`59399`

Exterior

Lot Area	61,855 sqft (1.42 acres)

Location & Zoning

Account Number	59399
Street Address	16903 POLO RD
City	STERLING
State	IL
Zip	61081-8718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SATHOFF SUBDIVISION LOT 1 12203X
Legal Subdivision	SATHOFF SUBDIVISION
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4006
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	16903 POLO RD, STERLING, IL 61081-8718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2010 · Amount on Record
Deed Sale	Mar 11, 2010 · Amount on Record
Deed Document Number	20101549-2010
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	16903 POLO RD, STERLING, IL 61081-8718
Document Number	0000006183
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16903 POLO RD STERLING IL 610818718, STERLING, IL 61081-8718

Mortgage

Document Number	0000006183
Date	Oct 16, 2017
Instrument	6183

Lender

Name	CORNERSTONE CU
Type	Credit Union
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 15, 2022

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	$4,580.00	$65,920 Land $3,983 Building $61,937
2024			$197,760 Land $11,949 Building $185,811

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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