23486 Troy Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 23486 Troy Rd, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,248 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`1034100003`

Property Details

APN / Parcel Number

Primary APN	`1034100003`
Alternative APNs	`122787` `81534`

Exterior

Lot Area	49,223 sqft (1.13 acres)

Location & Zoning

Account Number	122787
Street Address	23486 TROY RD
City	STERLING
State	IL
Zip	61081-9113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW SEC 34 TWP 21 RNG 6 40901X
Legal Range	06E
Legal Township	21N
Legal Section	34
Jurisdiction	WHITESIDE IL
Township / Civil Division	HOPKINS
Census Block Group	4
Census Block	4043
Census Tract	100

Owner

Source: Whiteside County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	23486 TROY RD, STERLING, IL 61081-9113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORPORATION
Oct 15, 2025	Quit Claim Deed, Transfer 2020 TITLE LLC, 20 20 TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025
Deed Sale	Oct 15, 2025
Prior Sale	Jun 30, 2015 · Amount on Record
Deed Document Number	20255189
Prior Transfer Date	Jul 5, 2025
Prior Transfer Doc	0000005189
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Jul 29, 2026
Property Address	23486 TROY RD, STERLING, IL 61081-9113
Document Number	0000003978
Instrument Date	Jul 24, 2026
Instrument	20263978
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	23486 TROY RD, STERLING, IL 61081-9113

Mortgage

Document Number	0000003978,
Date	Jul 29, 2026
Instrument	20263978

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	7.25%
Max Rate	-1%

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 15, 2025
Property Address	23486 TROY RD, STERLING, IL 61081-9113
Document Number	0000005189
Instrument Date	Jul 5, 2025
Instrument	2025-05189
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	2020 TITLE LLC, 20 20 TITLE LLC

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	23486 TROY RD, STERLING, IL 61081-9113

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Hopkins Township
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,248.00 (+6.2%)	$69,685 (+7.37%) Land $5,978 Building $63,707
2024	$4,000.00 Additional exemption filed	$64,902 Land $5,568 Building $59,334	$209,055 (+7.37%) Land $17,934 Building $191,121
2023			$194,706 Land $16,704 Building $178,002

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

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 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (2002–2013)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Jo-Carroll Energy.

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