1903 11th Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 1903 11th Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.203 acres (8,847 sqft)
Owner	Individual Name on File
Tax Bill	$3,985 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1115304031`

Property Details

APN / Parcel Number

Primary APN	`1115304031`
Alternative APN	`95031`

Exterior

Lot Area	8,847 sqft (0.203 acres)
Lot Dimensions	118 ft deep x 75 ft wide

Location & Zoning

Account Number	95031
Street Address	1903 11TH AVE
City	STERLING
State	IL
Zip	61081-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE SUB #1 LOT 2 BLK 8 661400X
Legal Subdivision	LINCOLNSHIRE SUBDIVISION
Legal Block	8
Legal Lot Number	2
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1003
Census Tract	1200

Owner

1903 11th Ave is owned and occupied by an individual.

Source: Whiteside County records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1903 11TH AVE, STERLING, IL 61081-1328
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 9, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 23, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1903 11TH AVE, STERLING, IL 61081-1328
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002375
Date	Apr 20, 2022
Instrument	2022-02375

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	May 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1903 11TH AVE, STERLING, IL 61081-1328
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202106301
Date	Sep 9, 2021
Instrument	2021-06301

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 23, 2018
Property Address	1903 11TH AVE, STERLING, IL 61081-1328
Document Number	0000003923
Instrument Date	Jul 20, 2018
Instrument	3923
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 3RD AVE ROCK FALLS IL 610711217, ROCK FALLS, IL 61071-1217

Mortgage

Document Number	3924
Date	Jul 23, 2018
Instrument	3924

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1903 11th Ave was $3,985.

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	$3,985.00	$45,243 Land $4,289 Building $40,954
2024			$135,729 Land $12,867 Building $122,862

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1903 11th Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1903 11th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 587 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
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband.

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