Whiteside County property record for 407 Elm Ave, Sterling, IL 61081
| Property Type | Commercial |
|---|---|
| Lot Size | 0.227 acres (9,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Aug 2021) |
| Tax Bill | $1,078 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Aug 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1119402011 |
| Primary APN | 1119402011 |
|---|---|
| Alternative APN |
|
| Lot Area | 9,900 sqft (0.227 acres) |
|---|---|
| Lot Dimensions | 131 ft deep x 75 ft wide |
| Account Number | 101105 |
|---|---|
| Street Address | 407 ELM AVE |
| City | STERLING |
| State | IL |
| Zip | 61081-1843 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | STEELTON SUBD LOT 8 BLK 2 573300X |
| Legal Subdivision | STEELTON SUBDIVISION |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | STERLING |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 1000 |
Source: Whiteside County records · APN 1119402011
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 | Individual Name on File |
|---|---|
| Mailing Address | 812 DIXON CT, STERLING, IL 61081-7803 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 03, 2026 | Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT |
| Aug 12, 2021 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on Record |
| Deed Sale | Aug 12, 2021 · Amount on Record |
| Prior Sale | Sep 18, 2006 · Amount on Record |
| Deed Document Number | 20215688 |
| Prior Transfer Date | Dec 14, 2011 |
| Prior Transfer Doc | 0201300972 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Jun 03, 2026 |
| Property Address | 407 ELM AVE, STERLING, IL 61081-1843 |
| Document Number | 0000002730 |
| Instrument Date | Jun 02, 2026 |
| Instrument | 20262730 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 812 DIXON CT, STERLING, IL 61081-7803 |
| Document Number | 0000002730, |
|---|---|
| Date | Jun 03, 2026 |
| Instrument | 20262730 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Aug 12, 2021 |
| Property Address | 407 ELM AVE, STERLING, IL 61081-1843 |
| Document Number | 0202105688 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 2021-05688 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 812 DIXON CT, STERLING, IL 61081-7803 |
Source: Whiteside County records · Assessment roll updated May 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Whiteside County |
| County Subdivision | Sterling Township |
| Unified School District | Sterling Community Unit District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,078.00 (-2.53%) | $10,616 (-) Land $2,047 Building $8,569 | |
| 2024 | $1,106.00 | $10,616 Land $2,047 Building $8,569 | $31,848 (-) Land $6,141 Building $25,707 |
| 2023 | $31,848 Land $6,141 Building $25,707 |
Source: FEMA National Flood Hazard Layer as of September 26, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Mar 1985 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| JAB Wireless Fixed Wireless | 100 / 20 |
May also be available: Surf Air Wireless, Verizon.
Based on FCC filings for 154 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | IL AMERICAN-STERLING private · serves 14,782 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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