4516 Emerson Rd, Sterling, IL 61081 Property Records

Whiteside County property record for 4516 Emerson Rd, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Tax Bill	$2,636 (2025)
Deeds & Mortgages	May 2021 Refinance May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1024201004`

Property Details

APN / Parcel Number

Primary APN	`1024201004`
Alternative APN	`100948`

Exterior

Lot Area	22,651 sqft (0.52 acres)

Location & Zoning

Account Number	100948
Street Address	4516 EMERSON RD
City	STERLING
State	IL
Zip	61081-8418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W 1/2 NE SEC 24 TWP 21 RNG 6 28101X
Legal Range	06E
Legal Township	21N
Legal Section	24
Jurisdiction	WHITESIDE IL
Township / Civil Division	HOPKINS
Census Block Group	2
Census Block	2036
Census Tract	900

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	Individual Name on Record
Mailing Address	4516 EMERSON RD, STERLING, IL 61081-8418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY STATE BANK OF ROCK FALLS
May 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY STATE BANK OF ROCK FALLS
Aug 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK/ROCK FALLS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 30, 2019
Transfer Doc	0000004140
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	4516 EMERSON RD, STERLING, IL 61081-8418
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003496
Date	May 20, 2021
Instrument	2021-03496

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	4516 EMERSON RD, STERLING, IL 61081-8418
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103496
Date	May 20, 2021
Instrument	2021-03496

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 5, 2019
Property Address	4516 EMERSON RD, STERLING, IL 61081-8418
Document Number	0000004140
Instrument Date	Jul 30, 2019
Instrument	4140
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4516 EMERSON RD STERLING IL 610818418, STERLING, IL 61081-8418

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	4516 EMERSON RD, STERLING, IL 61081-8418
Document Number	0000001951
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 EMERSON RD STERLING IL 610818418, STERLING, IL 61081-8418

Mortgage

Document Number	0000001951
Date	Apr 18, 2018
Instrument	1951

Lender

Name	COMMUNITY ST BK/ROCK FALLS
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	Hopkins Township
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,636.00	$45,523 Land $2,831 Building $42,692
2024			$136,569 Land $8,493 Building $128,076

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	7 in force
Nearby Flood Claims	4 (2002–2016)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2016 · 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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Rise Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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