608 4th Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 608 4th Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 723 sqft · built 1900
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on File
Last Sale	$144,000 (Apr 2026)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Jul 2024 Second Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1121432003`

Property Details

APN / Parcel Number

Primary APN	`1121432003`
Alternative APNs	`124396` `118929` `78227`

Interior

Bedrooms	3 Beds
Building Area	723 sqft Building Perimeter
Basement Area	723 sqft
Unfinished Basement	723 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Area	480 sqft

Location & Zoning

Account Number	124396
Street Address	608 4TH AVE
City	STERLING
State	IL
Zip	61081-3726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST OF BROADWAY LOT 3 BLK 3 102200X
Legal Subdivision	WEST OF BROADWAY
Legal Block	3
Legal Lot Number	3
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2030
Census Tract	1102

Owner

608 4th Ave is owned by two individuals who bought it in April 2026.

Source: Whiteside County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	606 E GRAHAM ST, DIXON, IL 61021-1222
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Apr 15, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Jul 9, 2024	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Jul 9, 2024 · Amount on File
Deed Document Number	20261812
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	608 4TH AVE, STERLING, IL 61081-3726
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSOCIAT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003061
Date	Jul 9, 2024
Instrument	2024-03061

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2034

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 15, 2026
Property Address	608 4TH AVE, STERLING, IL 61081-3726
Document Number	0000001812
Instrument Date	Apr 13, 2026
Instrument	20261812
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,816.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	606 E GRAHAM ST, DIXON, IL 61021-1222

Mortgage

Document Number	0000001813,
Date	Apr 15, 2026
Instrument	20261813

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jul 9, 2024
Property Address	608 4TH AVE, STERLING, IL 61081-3726
Document Number	0000003059
Instrument Date	Jul 8, 2024
Instrument	2024-03059
Transaction Type	Transfer
Record Updated	May 22, 2026

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	608 4TH AVE, STERLING, IL 61081-3726

Mortgage

Document Number	0000003060
Date	Jul 9, 2024
Instrument	2024-03060

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 1, 2023
Property Address	608 4TH AVE, STERLING, IL 61081-3726
Document Number	0000003770
Instrument Date	Jul 31, 2023
Instrument	2023-03770
Transaction Type	Transfer
Record Updated	Aug 22, 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	608 4TH AVE, STERLING, IL 61081-3726
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003771
Date	Aug 1, 2023
Instrument	2023-03771

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 608 4th Ave was $3,348, up 111.9% 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
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	$3,348.00 (+111.9%)	$40,279 (+165.76%) Land $3,699 Building $36,580
2024	$1,580.00	$15,156 Land $3,482 Building $11,674	$120,837 (+165.76%) Land $11,097 Building $109,740
2023			$45,468 (+11.34%) Land $10,446 Building $35,022
2022	$1,454.00	$13,612 Land $3,128 Building $10,484	$40,836 Land $9,384 Building $31,452

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 608 4th Ave in Zone X, an area of minimal flood risk.

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

The area around 608 4th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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