186 Sterling Rd, Harmon, IL 61042 Property Records

Lee County property record for 186 Sterling Rd, Harmon, IL 61042

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,197 sqft · built 1950
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Oct 2025)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2012 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`10-13-17-200-006`

Property Details

APN / Parcel Number

Primary APN	`10-13-17-200-006`
Alternative APNs	`173126` `68244`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,197 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	173126
Street Address	186 STERLING RD
City	HARMON
State	IL
Zip	61042-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 NEQ 17-20-8
Legal Range	08
Legal Township	20
Legal Section	17
Jurisdiction	LEE IL
Township / Civil Division	HARMON
Census Block Group	2
Census Block	2103
Census Tract	700

Owner

Source: Lee County records, as of June 16, 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	186 STERLING RD, HARMON, IL 61042-9706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK
Mar 13, 2012	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK OF ROCK FALLS MORRI
Apr 24, 2007	Deed of Trust, Mortgage · Balloon Mortgage SELECT EMPLOYEES CREDIT UNION
Oct 9, 2008	Deed of Trust, Mortgage · Conventional Mortgage SELECT EMPLOYEES CU
Dec 4, 2006	Deed of Trust, Mortgage · Line of Credit SELECT EMPLOYEES CU
Jul 27, 2010	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY STATE BANK OF ROCK FALLS
Mar 7, 2012	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK OF ROCK FALLS MORRI
Nov 7, 2018	Deed of Trust, Mortgage · ARM COMMUNITY STATE BANK ROCK FALL
Oct 8, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK
Nov 7, 2018	Deed of Trust, Mortgage · ARM COMMUNITY STATE BANK ROCK FALL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on Record
Deed Sale	Oct 8, 2025 · Amount on Record
Deed Document Number	20253729
Prior Transfer Date	Oct 7, 2025
Prior Transfer Doc	0202503729
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202504185
Date	Nov 6, 2025
Instrument	202504185

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 4, 2035

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01203/0983
Date	Mar 13, 2012
Book Page	1203/0983
Instrument	2012001280

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS MORRI
Address	MORRISON, IL 61270

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 12, 2015

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00704/2934
Date	Apr 24, 2007
Book Page	0704/2934
Instrument	2007002528

Lender

Name	SELECT EMPLOYEES CREDIT UNION
Address	STERLING, IL 61081

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 21, 2012

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00810/0791
Date	Oct 9, 2008
Book Page	0810/0791
Instrument	2008006124

Lender

Name	SELECT EMPLOYEES CU
Address	STERLING, IL 61081

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 3, 2013

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00612/0081
Date	Dec 4, 2006
Book Page	0612/0081
Instrument	2006008047

Lender

Name	SELECT EMPLOYEES CU
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 11, 2011

Interest

Rate	6.37%

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01007/2112
Date	Jul 27, 2010
Book Page	1007/2112
Instrument	2010003953

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS
Address	ROCK FALLS, IL 61071

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01203/0592
Date	Mar 7, 2012
Book Page	1203/0592
Instrument	2012001188

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS MORRI
Address	MORRISON, IL 61270

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2042

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001811/290
Date	Nov 7, 2018
Book Page	1811/290
Instrument	201804430

Lender

Name	COMMUNITY STATE BANK ROCK FALL
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Oct 20, 2028

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 20, 2023
Change Frequency	5 Years
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	Prime Rate
Margin	1

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE IL
Recording Date	Oct 8, 2025
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Document Number	0202503729
Instrument Date	Oct 7, 2025
Instrument	202503729
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 STERLING RD, HARMON, IL 61042-9706

Mortgage

Document Number	0202503730
Date	Oct 8, 2025
Instrument	202503730

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.2%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	6.2%
Max Rate At Change	9.2%
Index	5-Year CMT
Margin	1
Max Rate	12.2%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	186 STERLING RD, HARMON, IL 61042-9706
Transaction Type	Mortgage
Record Updated	Nov 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1811/290
Date	Nov 7, 2018
Book Page	1811/290
Instrument	201804430

Lender

Name	COMMUNITY STATE BANK ROCK FALL
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Oct 20, 2028

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 20, 2023
Change Frequency	5 Years
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	Prime Rate
Margin	1

Tax Assessment & Valuation

Source: Lee County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lee County
County Subdivision	Harmon Township
Unified School District	Amboy Community Unit School District 272 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,556.00 (+16.02%) Homeowner's exemption	$42,843 (+1%) Land $3,902 Building $38,941	$128,529 (+1%) Land $11,706 Building $116,823
2024	$2,203.00 Homeowner's exemption	$38,948 Land $3,547 Building $35,401	$116,844 Land $10,641 Building $106,203

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 August 31, 2020 · 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	2 (1980–1981)
Most Recent Claim	Aug 1981 · 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Rise Broadband Fixed Wireless	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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