28400 Penrose Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 28400 Penrose Rd, Sterling, IL 61081

Property Summary

Property Type	General Agricultural/Rural
Lot Size	101 acres (4,429,181 sqft)
Owner	Company Name on File
Last Sale	$213,000 (May 2007)
Tax Bill	$17,563 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2023 Sale + 2 more
Flood Zone	Zone A (high risk)
APN	`0516300002`

Property Details

APN / Parcel Number

Primary APN	`0516300002`
Alternative APN	`114223`

Exterior

Lot Area	4,429,181 sqft (101 acres)

Location & Zoning

Account Number	114223
Street Address	28400 PENROSE RD
City	STERLING
State	IL
Zip	61081-9554
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	PT LOTS 16 & 17 W OF CREEK & ALL LOT 24 SW SEC 16 TWP 22 RNG 7 18300X
Legal Range	07E
Legal Township	22N
Legal Section	16
Legal Subdivision	ELKHORN CREEK
Legal Lot Number	16-17,2
Jurisdiction	WHITESIDE IL
Township / Civil Division	JORDAN
Census Block Group	1
Census Block	1039
Census Tract	100

Owner

Source: Whiteside County records · APN 0516300002

Assessment roll updated May 22, 2026 · Last verified June 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	28400 PENROSE RD, STERLING, IL 61081-9554
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK
Feb 06, 2023	Deed, Transfer
Dec 01, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK/ROCK FALLS
Jun 17, 2019	Grant Deed, Mortgage · Line of Credit LENA ST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 03, 2007 · Amount on Record
Deed Sale	May 03, 2007 · Amount on Record
Deed Document Number	20073796-2007
Last Transfer Date	Dec 15, 2016
Transfer Doc	0000007125
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Apr 16, 2026
Property Address	28400 PENROSE RD, STERLING, IL 61081-9554
Document Number	0000001836
Instrument Date	Mar 30, 2026
Instrument	20261836
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0000001836,
Date	Apr 16, 2026
Instrument	20261836

Lender

Name	COMMUNITY STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	5.98%
Max Rate	-1%

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITESIDE IL
Recording Date	Feb 06, 2023
Property Address	28400 PENROSE RD, STERLING, IL 61081-9554
Document Number	0000000588
Instrument Date	Jan 26, 2023
Instrument	2023-00588
Transaction Type	Transfer
Record Updated	Mar 01, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	28400 PENROSE RD, STERLING, IL 61081-9554

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	28400 PENROSE RD, STERLING, IL 61081-9554
Document Number	0000008237
Instrument Date	Dec 01, 2020
Transaction Type	Mortgage
Record Updated	Jan 05, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	28400 PENROSE RD STERLING IL 610819554, STERLING, IL 61081-9554

Mortgage

Document Number	0000008237
Date	Dec 16, 2020
Instrument	8237

Lender

Name	COMMUNITY ST BK/ROCK FALLS
Type	Bank
Address	3210 E LINCOLNWAY, STERLING, IL 61081-1773

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jun 17, 2019
Property Address	28400 PENROSE RD, STERLING, IL 61081-9554
Instrument Date	Jun 10, 2019
Instrument	3143
Transaction Type	Mortgage
Record Updated	Jul 02, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	28400 PENROSE RD STERLING IL 610819554, STERLING, IL 61081-9554

Mortgage

Document Number	0000003143
Date	Jun 17, 2019
Instrument	3143

Lender

Name	LENA ST BK
Type	Bank
Address	PO BOX 456, LENA, IL 61048-0456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Jordan Township
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	$17,563.00 (+1.04%)	$274,802 (+3.07%) Land $51,351 Building $223,451
2024	$17,383.00	$266,607 Land $46,811 Building $219,796	$824,406 (+3.07%) Land $154,053 Building $670,353
2023			$799,821 Land $140,433 Building $659,388

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), as of September 26, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171950001001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Jo-Carroll Electric Cooperative Fiber	1,000 / 1,000
Computer Dynamics of NW Illinois Fixed Wireless	200 / 200

Based on FCC filings for 4 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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