806 Locust St, Sterling, IL 61081 Property Records

Whiteside County property record for 806 Locust St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.178 acres (7,760 sqft)
Owner	Individual Name on Record
Last Sale	$105,500 (Oct 2010)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1121401004`

Property Details

APN / Parcel Number

Primary APN	`1121401004`
Alternative APN	`61400`

Exterior

Lot Area	7,760 sqft (0.178 acres)
Lot Width	50 ft Width

Location & Zoning

Account Number	61400
Street Address	806 LOCUST ST
City	STERLING
State	IL
Zip	61081-3549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DNSMOR-PENGTON-COE ADD N 50' LOT 7 BLK 1 300200X
Legal Subdivision	DNSMOR-PENGTON-COE ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	806 LOCUST ST, STERLING, IL 61081-3549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2010 · Amount on Record
Deed Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	20107470
Prior Transfer Date	May 8, 2009
Prior Transfer Doc	0041702009
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Apr 21, 2026
Property Address	806 LOCUST ST, STERLING, IL 61081-3549
Document Number	0000001903
Instrument Date	Apr 16, 2026
Instrument	20261903
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	806 LOCUST ST, STERLING, IL 61081-3549

Mortgage

Document Number	0000001903,
Date	Apr 21, 2026
Instrument	20261903

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 16, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	806 LOCUST ST, STERLING, IL 61081-3549
Document Number	0000000115
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	806 LOCUST ST STERLING IL 610813549, STERLING, IL 61081-3549

Mortgage

Document Number	0000000115
Date	Jan 9, 2019
Instrument	115

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 8, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	$4,083.00 (+4.45%)	$46,202 (+6.23%) Land $6,040 Building $40,162
2024	$3,909.00	$43,493 Land $5,686 Building $37,807	$138,606 (+6.23%) Land $18,120 Building $120,486
2023			$130,479 Land $17,058 Building $113,421

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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