Whiteside County property record for 1905 E 38th St, Sterling, IL 61081 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.737 acres (32,110 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,900 (Sep 2020) |
| Tax Bill | $6,162 (2025) |
| Deeds & Mortgages | Aug 2022 Refinance Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1110253005 |
| Primary APN | 1110253005 |
|---|---|
| Alternative APN |
|
| Lot Area | 32,110 sqft (0.737 acres) |
|---|---|
| Lot Dimensions | 169 ft deep x 190 ft wide |
| Account Number | 106024 |
|---|---|
| Street Address | 1905 E 38TH ST |
| City | STERLING |
| State | IL |
| Zip | 61081-9423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RAYMOND SNAVELY 2ND LOT 2 731900X |
| Legal Subdivision | RAYMOND SNAVELY 2ND ADD |
| Legal Lot Number | 2 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 900 |
Source: Whiteside County records · APN 1110253005
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1905 E 38TH ST, STERLING, IL 61081-9423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MIDLAND STATES BANK |
| Sep 03, 2020 | Warranty Deed, Transfer · Conventional with PMI STERLING BK |
| Oct 31, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 03, 2020 · Amount on Record |
| Deed Sale | Sep 03, 2020 · Amount on Record |
| Prior Sale | Oct 31, 2018 · Amount on Record |
| Deed Document Number | 20205537 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 1905 E 38TH ST, STERLING, IL 61081-9423 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000004658 |
|---|---|
| Date | Aug 03, 2022 |
| Instrument | 2022-04658 |
| Name | MIDLAND STATES BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 01, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Sep 03, 2020 |
| Property Address | 1905 E 38TH ST, STERLING, IL 61081-9423 |
| Document Number | 0000005537 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 5537 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1905 E 38TH ST STERLING IL 610819423, STERLING, IL 61081-9423 |
| Document Number | 5538 |
|---|---|
| Date | Sep 03, 2020 |
| Instrument | 5538 |
| Name | STERLING BK |
|---|---|
| Type | Bank |
| Address | STERLING, IL 61081 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 02, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Oct 31, 2018 |
| Property Address | 1905 E 38TH ST, STERLING, IL 61081-9423 |
| Document Number | 0000006057 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 6057 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1905 E 38TH ST #SL STERLING IL 610819423, SL, STERLING, IL 61081-9423 |
| Document Number | 6058 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 6058 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2048 |
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 |
| Unified School District | Sterling Community Unit District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,162.00 | $86,603 Land $7,481 Building $79,122 | |
| 2024 | $259,809 Land $22,443 Building $237,366 |
Source: FEMA National Flood Hazard Layer, Whiteside County (17195C), updated September 26, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 4% of the US · above 26% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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