Whiteside County property record for 809 1/2 E 2nd St, Sterling, IL 61081
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.145 acres (6,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $23,500 (Aug 2011) |
| Tax Bill | $1,656 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1122376008 |
| Primary APN | 1122376008 |
|---|---|
| Alternative APNs |
|
| Lot Area | 6,300 sqft (0.145 acres) |
|---|---|
| Lot Dimensions | 140 ft deep x 45 ft wide |
| Account Number | 120650 |
|---|---|
| Street Address | 809 1/2 E 2ND ST |
| City | STERLING |
| State | IL |
| Zip | 61081-3803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WEST OF BROADWAY LOT 9 & PT SLY 78 (?) FT VAC ALLEY BLK 50 150000X |
| Legal Subdivision | WEST OF BROADWAY |
| Legal Block | 50 |
| Legal Lot Number | 9 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 1200 |
Source: Whiteside County records · APN 1122376008
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 | 809 1/2 E 2ND ST, STERLING, IL 61081-3803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 03, 2020 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 21, 2018 | Warranty Deed, Transfer · FHA Mortgage MIDLAND STATES BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 25, 2011 · Amount on Record |
| Deed Sale | Aug 25, 2011 · Amount on Record |
| Prior Sale | Sep 08, 2010 |
| Deed Document Number | 20115297 |
| Last Transfer Date | Dec 28, 2015 |
| Transfer Doc | 0201507637 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 809 1/2 E 2ND ST, STERLING, IL 61081-3803 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008797 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021-08797 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 809 1/2 E 2ND ST, STERLING, IL 61081-3803 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007110 |
|---|---|
| Date | Nov 03, 2020 |
| Instrument | 2020-07110 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Dec 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Sep 21, 2018 |
| Property Address | 809 1/2 E 2ND ST, STERLING, IL 61081-3803 |
| Document Number | 0000005242 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 5242 |
| Transaction Type | Transfer |
| Record Updated | Oct 09, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $93.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5547 W EDGEWOOD RD DIXON IL 610219449, DIXON, IL 61021-9449 |
| Document Number | 5243 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 5243 |
| Name | MIDLAND STATES BK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
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 |
| Municipality | Sterling City |
| Unified School District | Sterling Community Unit District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,656.00 (+8.02%) | $27,311 (+6.23%) Land $3,699 Building $23,612 | |
| 2024 | $1,533.00 | $25,709 Land $3,482 Building $22,227 | $81,933 (+6.23%) Land $11,097 Building $70,836 |
| 2023 | $77,127 Land $10,446 Building $66,681 |
Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), as of September 26, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171950012003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 4 (1985) |
| Most Recent Claim | Mar 1985 · tidal / storm surge |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 |
| Surf Air Wireless Fiber | 1,000 / 1,000 |
| JAB Wireless Fixed Wireless | 250 / 50 |
May also be available: Verizon.
Based on FCC filings for 351 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL1955040, 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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