1900 38th Ave, Sterling, IL 61081 Property Records

Whiteside County property record for 1900 38th Ave, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$201,000 (Jun 2020)
Tax Bill	$6,335 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1114478006`

Property Details

APN / Parcel Number

Primary APN	`1114478006`
Alternative APN	`105076`

Exterior

Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	217 ft deep x 141 ft wide

Location & Zoning

Account Number	105076
Street Address	1900 38TH AVE
City	STERLING
State	IL
Zip	61081-4292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANDLELIGHT MANOR #3 PHASE III LOT 48 744448X
Legal Phase	3
Legal Lot Number	48
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4025
Census Tract	900

Owner

1900 38th Ave is owned and occupied by an individual who bought it in June 2020.

Source: Whiteside County records, as of May 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1900 38TH AVE, STERLING, IL 61081-4292
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 3, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage NOVUS HOME MORTGAGE
Apr 9, 2020	Loan Modification, Mortgage · Conventional Mortgage STERLING BK
Oct 22, 2019	Deed of Trust, Construction Loan · Construction Mortgage STERLING BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2020 · Amount on File
Deed Sale	Jun 3, 2020 · Amount on File
Deed Document Number	20203107
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	1900 38TH AVE, STERLING, IL 61081-4292
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003108
Date	Jun 3, 2020
Instrument	2020-03108

Lender

Name	NOVUS HOME MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITESIDE IL
Property Address	1900 38TH AVE, STERLING, IL 61081-4292
Document Number	0000003336
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	SAUK VALLEY TITLE, SAUK VLY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1900 38TH AVE STERLING IL 610814292, STERLING, IL 61081-4292

Mortgage

Document Number	0000003336
Date	Jun 12, 2020
Instrument	3336

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 11, 2021

Interest

Rate	5.6%

October 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Recording Date	Oct 22, 2019
Property Address	1900 38TH AVE, STERLING, IL 61081-4292
Document Number	0000005806
Instrument Date	Oct 17, 2019
Instrument	5806
Transaction Type	Construction Loan
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1900 38TH AVE STERLING IL 610814292, STERLING, IL 61081-4292

Mortgage

Document Number	0000005806
Date	Oct 22, 2019
Instrument	5806

Lender

Name	STERLING BK
Type	Bank
Address	STERLING, IL 61081

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 21, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 1900 38th Ave was $6,335.

Source: Whiteside County assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Whiteside County
County Subdivision	Sterling Township
Unified School District	Sterling Community Unit District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,335.00	$88,870 Land $11,232 Building $77,638
2024			$266,610 Land $33,696 Building $232,914

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

FEMA maps place 1900 38th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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.

Wildfire

Wildfire risk around 1900 38th Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Verizon.

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