2108 Ave J, Sterling, IL 61081 Property Records

Whiteside County property record for 2108 Ave J, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.318 acres (13,855 sqft)
Owner	Individual Name on File
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1117480002`

Property Details

APN / Parcel Number

Primary APN	`1117480002`
Alternative APN	`109627`

Exterior

Lot Area	13,855 sqft (0.318 acres)
Lot Dimensions	163 ft deep x 85 ft wide

Location & Zoning

Account Number	109627
Street Address	2108 AVENUE J
City	STERLING
State	IL
Zip	61081-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON SUB 6 LOT 12 739300X
Legal Subdivision	HAMPTON SUBDIVISION
Legal Lot Number	12
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1002
Census Tract	900

Owner

2108 Ave J 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	2108 AVENUE J, STERLING, IL 61081-1022
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
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 AVENUE J, STERLING, IL 61081-1022
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008249
Date	Nov 22, 2021
Instrument	2021-08249

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 AVENUE J, STERLING, IL 61081-1022
Document Number	0000006949
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2108 AVENUE J STERLING IL 610811022, STERLING, IL 61081-1022

Mortgage

Document Number	0000006949
Date	Nov 16, 2017
Instrument	6949

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2108 Ave J was $3,780.

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	$3,780.00	$48,221 Land $5,846 Building $42,375
2024			$144,663 Land $17,538 Building $127,125

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

Flood

FEMA maps place 2108 Ave J in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 2108 Ave J is low, with less than a 0.01% annual chance of 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.

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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband.

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