610 3rd Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 610 3rd Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,500 (Apr 2025)
Tax Bill	$2,906 (2025)
Deeds & Mortgages	Apr 2025 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1121431002`

Property Details

APN / Parcel Number

Primary APN	`1121431002`
Alternative APNs	`121405` `77081`

Exterior

Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide

Location & Zoning

Account Number	121405
Street Address	610 3RD AVE
City	STERLING
State	IL
Zip	61081-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST OF BROADWAY LOT 2 BLK 4 103300X
Legal Subdivision	WEST OF BROADWAY
Legal Block	4
Legal Lot Number	2
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2028
Census Tract	1102

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	2 Individual Names on Record
Mailing Address	1267 MARKET ST, NACHUSA, IL 61057-4200
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2025	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
May 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 17, 2018	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2025 · Amount on Record
Deed Sale	Apr 29, 2025 · Amount on Record
Prior Sale	May 19, 2014 · Amount on Record
Deed Document Number	20252021
Record Updated	Sep 20, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Apr 29, 2025
Property Address	610 3RD AVE, STERLING, IL 61081-3649
Document Number	0000002021
Instrument Date	Mar 25, 2025
Instrument	2025-02021
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	610 3RD AVE, STERLING, IL 61081-3649

Mortgage

Document Number	0000002022
Date	Apr 29, 2025
Instrument	2025-02022

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	610 3RD AVE, STERLING, IL 61081-3649
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103508
Date	May 21, 2021
Instrument	2021-03508

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jun 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	610 3RD AVE, STERLING, IL 61081-3649
Document Number	0000000355
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Feb 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 3RD AVE STERLING IL 610813649, STERLING, IL 61081-3649

Mortgage

Document Number	0000000355
Date	Jan 23, 2018
Instrument	355

Lender

Name	FINANCE OF AMERICA MTG
Address	300 WELSH RD # 5, HORSHAM, PA 19044-2250

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

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	$2,906.00	$28,614 Land $4,481 Building $24,133
2024			$85,842 Land $13,443 Building $72,399

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

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

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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