29671 Penrose Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 29671 Penrose Rd, Sterling, IL 61081

Property Summary

Property Type	General Agricultural/Rural
Lot Size	2.77 acres (120,661 sqft)
Owner	Individual Name on Record
Last Sale	$233,333 (Mar 2025)
Tax Bill	$2,340 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Mar 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0522201002`

Property Details

APN / Parcel Number

Primary APN	`0522201002`
Alternative APNs	`121181` `95129`

Exterior

Lot Area	120,661 sqft (2.77 acres)

Location & Zoning

Account Number	121181
Street Address	29671 PENROSE RD
City	STERLING
State	IL
Zip	61081-8780
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	PT W 1/2 NE SEC 22 TWP 22 RNG 7 25802X
Legal Range	07E
Legal Township	22N
Legal Section	22
Jurisdiction	WHITESIDE IL
Township / Civil Division	JORDAN
Census Block Group	1
Census Block	1060
Census Tract	100

Owner

Source: Whiteside County records, as of September 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	5711 EMERSON RD, STERLING, IL 61081-9135
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Construction Mortgage VALLEY BANK AND TRUST COMPANY
Mar 26, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK ILLINOIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Deed Document Number	20251348
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Sep 9, 2026
Property Address	29671 PENROSE RD, STERLING, IL 61081-8780
Document Number	0000004874
Instrument Date	Sep 9, 2026
Instrument	20264874
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29671 PENROSE RD, STERLING, IL 61081-8780

Mortgage

Document Number	0000004874,
Date	Sep 9, 2026
Instrument	20264874

Lender

Name	VALLEY BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Mar 9, 2027

Interest

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

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Mar 26, 2025
Property Address	29671 PENROSE RD, STERLING, IL 61081-8780
Document Number	0000001348
Instrument Date	Mar 4, 2025
Instrument	2025-01348
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29671 PENROSE RD, STERLING, IL 61081-8780

Mortgage

Document Number	0000001349
Date	Mar 26, 2025
Instrument	2025-01349

Lender

Name	CENTRAL BANK ILLINOIS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,340.00	$60,352 Land $5,543 Building $54,809
2024			$181,056 Land $16,629 Building $164,427

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 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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

Provider	Max Down / Up (Mbps)
Jo-Carroll Energy Fiber	1,000 / 1,000
JCWIFI.com Fixed Wireless	200 / 200

Cell Coverage

5G (outdoors only) and 4G LTE

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