218 W 3rd St, Sterling, IL 61081 Property Records

Whiteside County property record for 218 W 3rd St, Sterling, IL 61081 · Last verified July 2026

Property Summary

Property Type	Commercial
Lot Size	0.594 acres (25,910 sqft)
Owner	Company Name on File
Tax Bill	$11,883 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2021 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`1121385010`

Property Details

APN / Parcel Number

Primary APN	`1121385010`
Alternative APN	`95994`

Exterior

Lot Area	25,910 sqft (0.594 acres)

Location & Zoning

Account Number	95994
Street Address	218 W 3RD ST
City	STERLING
State	IL
Zip	61081-3507
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	WALLACE ADD LTS 5-8 & PT LTS 4 & 9 BLK 6 223801X NAPA STORE
Legal Subdivision	WALLACE ADDITION
Legal Block	6
Legal Lot Number	4-9
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2086
Census Tract	1102

Owner

Source: Whiteside County records · APN 1121385010

Assessment roll updated May 22, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	218 W 3RD ST, STERLING, IL 61081-3507
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust · Conventional Mortgage CITIZENS EQUITY FIRST CREDIT UNION
Jun 04, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STERLING FEDERAL BANK
Jun 02, 2020	Deed of Trust, Mortgage · Line of Credit STERLING BK
Oct 11, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Oct 01, 2019	Deed of Trust, Mortgage · Line of Credit STERLING BK
Oct 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 15, 2017	Deed of Trust, Mortgage · Line of Credit STERLING BK
Jun 08, 2017	Deed of Trust, Mortgage · Line of Credit STERLING BK
Dec 09, 2016	Deed of Trust, Mortgage STERLING BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Apr 29, 2026
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000002048
Instrument Date	Apr 17, 2026
Instrument	2026.2048
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	17571 TIMBER DR, STERLING, IL 61081-9289

Mortgage

Document Number	0000002048,
Date	Apr 29, 2026
Instrument	2026.2048

Lender

Name	CITIZENS EQUITY FIRST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.08%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103857
Date	Jun 04, 2021
Instrument	2021-03857

Lender

Name	STERLING FEDERAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Jul 01, 2022

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000003458
Instrument Date	Jun 02, 2020
Transaction Type	Mortgage
Record Updated	Jul 08, 2020
Title Company	HB WILKINSON TITLE COMPANY, HB WILKINSON TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

Mortgage

Document Number	0000003458
Date	Jun 17, 2020
Instrument	3458

Lender

Name	STERLING BK
Type	Bank
Address	110 E 4TH ST, STERLING, IL 61081-3671

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 16, 2025

Interest

Rate Type	Adjustable Rate
Rate	4%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 11, 2019
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000005571
Instrument Date	Oct 08, 2019
Instrument	5571
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000005415
Instrument Date	Oct 01, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

Mortgage

Document Number	0000005415
Date	Oct 03, 2019
Instrument	5415

Lender

Name	STERLING BK
Type	Bank
Address	110 E 4TH ST, STERLING, IL 61081-3671

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 02, 2024

Interest

Rate Type	Adjustable Rate
Rate	4.5%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 29, 2018
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000005970
Instrument Date	Oct 22, 2018
Instrument	5970
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000006969
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

Mortgage

Document Number	0000006969
Date	Nov 16, 2017
Instrument	6969

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2022

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000003319
Instrument Date	Jun 08, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	218 W 3RD ST STERLING IL 610813507, STERLING, IL 61081-3507

Mortgage

Document Number	0000003319
Date	Jun 13, 2017
Instrument	3319

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.75%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	218 W 3RD ST, STERLING, IL 61081-3507
Document Number	0000000071
Instrument Date	Dec 09, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	SAUK VALLEY TITLE, SAUK VLY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17571 TIMBER DR STERLING IL 610819289, STERLING, IL 61081-9289

Mortgage

Document Number	0000000071
Date	Jan 04, 2017
Instrument	71

Lender

Name	STERLING BK
Type	Bank
Address	110 E 4TH ST, STERLING, IL 61081-3671

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Whiteside County records · Assessment roll updated May 22, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,883.00	$117,000 Land $9,000 Building $108,000
2024			$351,000 Land $27,000 Building $324,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), updated September 26, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
JAB Wireless	Fixed Wireless (unlicensed)	250 / 50

May also be available at this address: Surf Air Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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