20366 Acker Rd, Fulton, IL 61252 Property Records

Whiteside County property record for 20366 Acker Rd, Fulton, IL 61252

Property Summary

Property Type	Single Family Home
Lot Size	1.38 acres (60,331 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Apr 2016)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Jul 2023 Transfer Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0124400005`

Property Details

APN / Parcel Number

Primary APN	`0124400005`
Alternative APNs	`107620` `123419`

Exterior

Lot Area	60,331 sqft (1.38 acres)

Location & Zoning

Account Number	123419
Street Address	20366 ACKER RD
City	FULTON
State	IL
Zip	61252-9682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNICE SIKKEMA ADDITION LOT 1
Legal Subdivision	BERNICE SIKKEMA ADDITION
Legal Lot Number	1
Jurisdiction	WHITESIDE IL
Township / Civil Division	FULTON
Census Block Group	1
Census Block	1031
Census Tract	400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20366 ACKER RD, FULTON, IL 61252-9682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Transfer on Death Deed, Transfer
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL BANK ILLINOIS
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL BANK ILLINOIS
Feb 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance CENTRAL BANK ILLINOIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2016 · Amount on Record
Deed Sale	Apr 21, 2016 · Amount on Record
Prior Sale	Jun 4, 2008 · Amount on Record
Deed Document Number	20162117
Last Transfer Date	Jul 5, 2023
Transfer Doc	0000003242
Record Updated	Sep 20, 2026

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 5, 2023
Property Address	20366 ACKER RD, FULTON, IL 61252-9682
Document Number	0000003242
Instrument Date	Jul 5, 2023
Instrument	2023-03242
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	20366 ACKER RD, FULTON, IL 61252-9682
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001370
Date	Feb 26, 2021
Instrument	2021-01370

Lender

Name	CENTRAL BANK ILLINOIS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	20366 ACKER RD, FULTON, IL 61252-9682
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202101617
Date	Mar 8, 2021
Instrument	2021-01617

Lender

Name	CENTRAL BANK ILLINOIS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Apr 1, 2042

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Feb 26, 2021
Property Address	20366 ACKER RD, FULTON, IL 61252-9682
Document Number	0202101369
Instrument Date	Feb 12, 2021
Instrument	2021-01369
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20366 ACKER RD, FULTON, IL 61252-9682

Mortgage

Document Number	0202101370
Date	Feb 26, 2021
Instrument	2021-01370

Lender

Name	CENTRAL BANK ILLINOIS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Whiteside County assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Fulton 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	$3,937.00 (+0.97%)	$70,762 (+12.9%) Land $7,053 Building $63,709
2024			$212,286 (+12.9%) Land $21,159 Building $191,127
2022	$3,899.00 Additional exemption filed	$62,674 Land $5,583 Building $57,091	$188,022 Land $16,749 Building $171,273

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	12 (1993–2023)
Claims Outside the SFHA	6 of 12
Most Recent Claim	May 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2019 · 3 claims Severe Storms & Flooding, Jul 1993 · 3 claims

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 95% of the US · lower than 70% 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 2 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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