3405 16th Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 3405 16th Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$188,500 (Oct 2025)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1110377009`

Property Details

APN / Parcel Number

Primary APN	`1110377009`
Alternative APNs	`122850` `66234`

Exterior

Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	160 ft deep x 110 ft wide

Location & Zoning

Account Number	122850
Street Address	3405 16TH AVE
City	STERLING
State	IL
Zip	61081-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW E 1/2 SEC 10 TWP 21 RNG 7 11717X
Legal Range	07E
Legal Township	21N
Legal Section	10
Legal Subdivision	COLONIAL ACRES SUBDIVISION
Legal Block	5
Legal Lot Number	3
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3025
Census Tract	900

Owner

3405 16th Ave is owned by two individuals who bought it in October 2025.

Source: Whiteside County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2004 3RD AVE, 4C, STERLING, IL 61081-1265
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 22, 2025	Warranty Deed, Transfer SAUK VALLEY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Nov 23, 2011 · Amount on File
Deed Document Number	20255338
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	3405 16TH AVE, STERLING, IL 61081-4015
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000310
Date	Jan 14, 2022
Instrument	2022-00310

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	229 Months
Due	Feb 1, 2041

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Oct 22, 2025
Property Address	3405 16TH AVE, STERLING, IL 61081-4015
Document Number	0000005338
Instrument Date	Oct 13, 2025
Instrument	2025-05338
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 3RD AVE # 4C, 4C, STERLING, IL 61081-1265

Mortgage

Document Number	0000005339
Date	Oct 22, 2025
Instrument	2025-05339

Lender

Name	SAUK VALLEY BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3405 16th Ave was $3,594, up 5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,594.00 (+5.03%)	$53,022 (+6.23%) Land $6,014 Building $47,008
2024	$3,422.00 Additional exemption filed	$49,912 Land $5,661 Building $44,251	$159,066 (+6.23%) Land $18,042 Building $141,024
2023			$149,736 Land $16,983 Building $132,753

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

FEMA maps place 3405 16th Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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
Nearby Flood Claims	4 (2002)
Most Recent Claim	Jun 2002 · river or lake 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

Wildfire risk around 3405 16th Ave is low, with less than a 0.01% annual chance of 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	None beyond 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband, Surf Internet.

Nearby Properties on 16th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures