2704 Locust St, Sterling, IL 61081 Property Records

Whiteside County property record for 2704 Locust St, Sterling, IL 61081

Property Summary

Property Type	Commercial
Details	8,280 sqft · built 1950
Lot Size	2.03 acres (88,427 sqft)
Owner	Company Name on Record
Last Sale	$270,000 (Dec 2023)
Tax Bill	$9,140 (2025)
Deeds & Mortgages	Jan 2022 Refinance Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1116201002`

Property Details

APN / Parcel Number

Primary APN	`1116201002`
Alternative APNs	`114514` `63409`

Interior

Building Area	8,280 sqft Building Perimeter

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	88,427 sqft (2.03 acres)
Lot Dimensions	327 ft deep x 264 ft wide

Location & Zoning

Account Number	114514
Street Address	2704 LOCUST ST
City	STERLING
State	IL
Zip	61081-1228
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S 264 OF N 775 OF W 327 OF NE SEC 16 TWP 21 RNG 7 MF 12788-99 25400X
Legal Range	07E
Legal Township	21N
Legal Section	16
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1001
Census Tract	1101

Owner

Source: Whiteside County records, as of May 22, 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 Record
Mailing Address	1409 W 4TH ST, STERLING, IL 61081-3118
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SAUK VALLEY BANK
Dec 4, 2023	Warranty Deed, Transfer · Conventional Mortgage STERLING FEDERAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2023 · Amount on Record
Deed Sale	Dec 4, 2023 · Amount on Record
Prior Sale	Apr 11, 2011 · Amount on Record
Deed Document Number	20235950
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2704 LOCUST ST, STERLING, IL 61081-1228
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000511
Date	Jan 27, 2022
Instrument	2022-00511

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Feb 1, 2027

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Dec 4, 2023
Property Address	2704 LOCUST ST, STERLING, IL 61081-1228
Document Number	0000005950
Instrument Date	Dec 1, 2023
Instrument	2023-05950
Transaction Type	Transfer
Record Updated	Dec 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
Address	1409 W 4TH ST, STERLING, IL 61081-3118

Mortgage

Document Number	0000005951
Date	Dec 4, 2023
Instrument	2023-05951

Lender

Name	STERLING FEDERAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$9,140.00 (+53.33%)	$89,991 (+61.29%) Land $5,153 Building $84,838
2024			$269,973 (+61.29%) Land $15,459 Building $254,514
2022	$5,961.00	$55,793 Land $5,153 Building $50,640	$167,379 Land $15,459 Building $151,920

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Rise Broadband, Surf Internet, Verizon.

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