312 Locust St, Sterling, IL 61081 Property Records

Whiteside County property record for 312 Locust St, Sterling, IL 61081

Property Summary

Property Type	Commercial
Details	4,320 sqft · built 1960
Lot Size	0.101 acres (4,410 sqft)
Owner	Company Name on Record
Last Sale	$170,000 (Nov 2023)
Tax Bill	$5,755 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1121459027`

Property Details

APN / Parcel Number

Primary APN	`1121459027`
Alternative APNs	`112815` `116835`

Interior

Building Area	4,320 sqft Building Perimeter
Basement Area	4,320 sqft
Unfinished Basement	4,320 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	4,410 sqft (0.101 acres)
Lot Dimensions	90 ft deep x 48.5 ft wide

Location & Zoning

Account Number	116835
Street Address	312 LOCUST ST
City	STERLING
State	IL
Zip	61081-3539
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	WEST OF BROADWAY LOTS 22 & 23 BLK 26
Legal Subdivision	WEST BROADWAY
Legal Block	26
Legal Lot Number	22-23
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2083
Census Tract	1102

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	1924 LENOX RD, DIXON, IL 61021-9718
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Warranty Deed, Transfer · Conventional Mortgage SAUK VALLEY BANK & TRUST COMPANY
Sep 7, 2022	Warranty Deed, Transfer
Apr 5, 2018	Loan Modification, Consolidation and Extension, Mortgage CLINTON NAT'L BK
Feb 28, 2018	Deed of Trust, Mortgage · Line of Credit CLINTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Prior Sale	Sep 7, 2022 · Amount on Record
Deed Document Number	20235572
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Nov 9, 2023
Property Address	312 LOCUST ST, STERLING, IL 61081-3539
Document Number	0000005572
Instrument Date	Nov 9, 2023
Instrument	2023-05572
Transaction Type	Transfer
Record Updated	Dec 5, 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	1924 LENOX RD, DIXON, IL 61021-9718

Mortgage

Document Number	0000005573
Date	Nov 9, 2023
Instrument	2023-05573

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 9, 2028

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 7, 2022
Property Address	312 LOCUST ST, STERLING, IL 61081-3539
Document Number	0000005474
Instrument Date	Aug 30, 2022
Instrument	2022-05474
Transaction Type	Transfer
Record Updated	Sep 28, 2022

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	311 1ST AVE, STERLING, IL 61081-3601

April 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	WHITESIDE IL
Property Address	312 LOCUST ST, STERLING, IL 61081-3539
Document Number	0000001997
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 LOCUST ST STERLING IL 610813539, STERLING, IL 61081-3539

Mortgage

Document Number	0000001997
Date	Apr 20, 2018
Instrument	1997

Lender

Name	CLINTON NAT'L BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Term	60 Months
Due	Apr 19, 2023

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	312 LOCUST ST, STERLING, IL 61081-3539
Document Number	0000001085
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 12, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 LOCUST ST STERLING IL 610813539, STERLING, IL 61081-3539

Mortgage

Document Number	0000001085
Date	Mar 2, 2018
Instrument	1085

Lender

Name	CLINTON NAT'L BK
Type	Bank
Address	CLINTON, IA 52732

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2023

Interest

Rate Type	Adjustable Rate

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	$5,755.00 (+12.8%)	$56,661 (+18.65%) Land $10,800 Building $45,861
2024			$169,983 (+18.65%) Land $32,400 Building $137,583
2022	$5,102.00	$47,753 Land $10,800 Building $36,953	$143,259 Land $32,400 Building $110,859

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	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Rise Broadband Fixed Wireless	250 / 50

May also be available: Surf Internet, Verizon.

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