Whiteside County property record for 3818 River Rd, Sterling, IL 61081
| Property Type | Commercial |
|---|---|
| Lot Size | 3.16 acres (137,650 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Jul 2011) |
| Tax Bill | $1,698 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1113100022 |
| Primary APN | 1113100022 |
|---|---|
| Alternative APN |
|
| Lot Area | 137,650 sqft (3.16 acres) |
|---|
| Account Number | 64644 |
|---|---|
| Street Address | 3818 RIVER RD |
| City | STERLING |
| State | IL |
| Zip | 61081-4206 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT SE NE SEC 14 & PT SW NW SEC 13 TWP 21 RNG 7 14500X |
| Legal Range | 07E |
| Legal Township | 21N |
| Legal Section | 13 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | STERLING |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 900 |
Source: Whiteside County records, as of May 22, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2404 SHORELINE HEIGHTS RD, STERLING, IL 61081-9606 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2020 | Deed of Trust, Construction Loan · Line of Credit STERLING BK |
| Apr 20, 2018 | Deed of Trust, Mortgage · Line of Credit STERLING BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2011 · Amount on Record |
| Deed Sale | Jul 5, 2011 · Amount on Record |
| Deed Document Number | 20114161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Dec 2, 2020 |
| Property Address | 3818 RIVER RD, STERLING, IL 61081-4206 |
| Document Number | 0000007879 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 7879 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 15, 2020 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3818 RIVER RD STERLING IL 610814206, STERLING, IL 61081-4206 |
| Document Number | 0000007879 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 7879 |
| Name | STERLING BK |
|---|---|
| Type | Bank |
| Address | STERLING, IL 61081 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 1, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 3818 RIVER RD, STERLING, IL 61081-4206 |
| Document Number | 0000002064 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3818 RIVER RD STERLING IL 610814206, STERLING, IL 61081-4206 |
| Document Number | 0000002064 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 2064 |
| Name | STERLING BK |
|---|---|
| Type | Bank |
| Address | STERLING, IL 61081 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 23, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.6% |
Source: Whiteside County assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Whiteside County |
| County Subdivision | Sterling Township |
| Unified School District | Sterling Community Unit District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,698.00 | $22,221 Land $6,616 Building $15,605 | |
| 2024 | $66,663 Land $19,848 Building $46,815 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 (1979) |
| Most Recent Claim | Mar 1979 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Rise Broadband, Verizon.
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