Contact us: 563.441.1776
Description
Pride of ownership shines throughout this well-maintained 4 bedroom, 2 bathroom home offering 1,736 sq ft on a spacious 0.60-acre lot. Lovingly cared for by the same owners for the past 42 years, this property features numerous major updates including replacement windows, well maintained kitchen, remodeled bathroom (2021), new roof (2016), furnace and central air (2016), and water softener (2021). The walk-out basement adds exceptional living space with a large family room area and optional 5th bedroom, providing flexibility for guests, office space, or hobbies. Enjoy the convenience of first-floor laundry, a cozy living room fireplace, and great outdoor spaces including a welcoming front porch sitting area, 16x16 Trex deck (2021), fenced backyard, mature trees, and even a chicken coop. A 24x30 garage offers excellent storage and workspace. A truly move-in ready home with space, updates, and country-style charm.
Property Highlights
Property Type: Residential - Single Family
Total Living Area SF: 1,736
Garage Size: 4
Built in 1920
School District: District 5
One Fireplace
General Information
Bedrooms: 5
Bathrooms: 2
Sqft: 1,736
County: Whiteside
Listed By:
RE/MAX Sauk Valley
815-625-3722
MRED MLS
MLS ID: 12612543
Room Information
Bedroom 5: 12X12
Bedroom 2: 12X9
Bedroom 3: 14X11
Bedroom 4: 14X12
Dining Room: 14X13
Family Room: 24X14
Kitchen: 12X12
Laundry: 17X7
Living Room: 28X12
Primary Bedroom: 14X11
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1305 W 3rd Street , Sterling, IL 61081.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $185,000 | $185,000 | $185,000 |
| Down Payment | $37,000 | $6,475 | $46,250 |
| Monthly Mortgage Amount | $887 | $1,089 | $1,134 |
| Taxes | $257 | $257 | $257 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $81 | $0 |
| Monthly Estimated Total | $1,244 | $1,527 | $1,491 |
About this area
About Sterling
Sterling, IL is a well-established city in the northwest part of the state that offers a comfortable blend of small-city charm, riverfront scenery, and modern conveniences. Nestled along the Rock River, Sterling provides residents with access to scenic parks, walking trails, and outdoor recreation while supporting a vibrant local economy and strong community infrastructure. The city features a revitalized downtown area with local shops, dining options, and community events that reflect Sterling’s pride and sense of connection. Its location allows for easy travel to nearby cities while maintaining a relaxed, approachable atmosphere.
Once known as the Hardware Capital of the World, Sterling is widely associated with manufacturing and the steel industry. This growing industrial community is surrounded by popular parks, farmland and industrial parks offering employment seekers a great place to settle.
With more than six nearby neighborhood parks, and a popular state park located a short distance away, nature exploration is a favorite past time in Sterling. The beautiful Rock River brings people out to boat, fish and play in its waters. After a day out in nature, residents love to come back to their neighborhood and enjoy town activities. Movies in the park during the Summer is a very popular event as well as grabbing a bite to eat at the Midway Diner where patrons can enjoy a classic hamburger, hot-dog, nachos and many other classic favorites. Small in boundaries, but large on activities for residents, Sterling is a great community to live in and raise a family. With seasonal festivals, a small but influential art scene, and outdoor recreation, there is something to keep everyone busy.
The real estate market in Sterling is diverse and appealing to a wide range of buyers. Residential options include classic single-family homes in established neighborhoods, many showcasing traditional Midwestern architecture, mature trees, and generous lot sizes. Buyers will also find ranch-style homes, multi-level properties, and updated residences offering modern layouts and amenities. Newer developments on the outskirts of the city provide contemporary housing with open floor plans and attached garages, appealing to families and professionals alike.
Sterling also offers opportunities for buyers seeking additional space, with properties on larger lots or in semi-rural settings just outside the city limits. Affordability is a key advantage, making the area attractive to first-time homebuyers, retirees, and those looking to maximize value without sacrificing quality of life.
With its riverfront setting, strong sense of community, and wide variety of housing options, Sterling stands out as a desirable place to live. The city combines economic stability, natural beauty, and comfortable residential living in a way that continues to draw long-term residents and newcomers alike.
If you are ready to start your home buying or selling journey, browse the latest real estate listings in Sterling, IL. You can also contact us—we are here to help!
Nearest Ruhl & Ruhl Office: Clinton
301 North Second Street
Clinton, IA 52732
(563) 441-1776
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/07/2026. The listing information on this page last changed on 04/07/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Tue 04/07/2026 12:00:45 AM EST) or MRED MLS (last updated Mon 04/06/2026 11:57:56 PM EST) or SCWMLS (last updated Mon 04/06/2026 11:54:42 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Mon 04/06/2026 10:16:16 PM EST) or Cedar Rapids MLS (last updated Mon 04/06/2026 10:46:09 PM EST) or NEIRBR MLS (last updated Mon 04/06/2026 11:58:41 PM EST) or ICAAR MLS (last updated Mon 04/06/2026 11:37:29 PM EST) or ECIMLS (last updated Mon 04/06/2026 11:44:13 PM EST) or RMLSA (last updated Mon 04/06/2026 11:50:57 PM EST) or Muscatine MLS (last updated Mon 04/06/2026 11:45:26 PM EST) or No Coast MLS (last updated Mon 04/06/2026 11:54:20 PM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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