20138 Sterling Rd, Bloomington, IL 61705 Property Records

McLean County property record for 20138 Sterling Rd, Bloomington, IL 61705

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 2,444 sqft · built 2009
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jun 2015)
Tax Bill	$17,000 (2024)
Deeds & Mortgages	Jan 2018 Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-21-302-008`

Property Details

APN / Parcel Number

Primary APN	`22-21-302-008`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	2,444 sqft Living Area
1st Floor Area	2,444 sqft
2nd Floor Area	180 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Frame
Lot Area	74,052 sqft (1.7 acres)
Garage Area	2,264 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	756 sqft

Location & Zoning

Street Address	20138 STERLING RD
City	BLOOMINGTON
State	IL
Zip	61705-5328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOVER RIDGE SUB 1RST ADD LOT 27
Legal Range	03E
Legal Township	23N
Legal Section	21
Legal Subdivision	DOVER RIDGE SUB
Legal Lot Number	27
Jurisdiction	MCLEAN IL
Township / Civil Division	OLD TOWN
Census Block Group	1
Census Block	1070
Census Tract	5401

Owner

20138 Sterling Rd is owned and occupied by two individuals who bought it in June 2015.

Source: McLean County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
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
Jan 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FINANCIAL BANK NA
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Oct 5, 2006	Deed of Trust, Mortgage MAIN STREET BANK & TRUST
Sep 14, 2006	Deed of Trust, Mortgage MAIN STREET BANK & TRUST
Nov 15, 2012	Trustee's Deed, Foreclosure · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2015 · Amount on File
Deed Sale	Jun 1, 2015 · Amount on File
Prior Sale	Nov 15, 2012 · Amount on File
Deed Document Number	20159475
Prior Transfer Date	Sep 21, 2011
Prior Transfer Doc	0000021099
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000184
Date	Jan 4, 2018
Instrument	2018-00000184

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	BLOOMINGTON, IL 61701

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Dec 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000023154
Date	Oct 29, 2020
Instrument	2020-00023154

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.25%

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	200600027603
Date	Oct 5, 2006
Instrument	2006-00027603

Lender

Name	MAIN STREET BANK & TRUST
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Amount	Amount on Record
Term	12 Months
Due	Oct 1, 2007

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	200600025639
Date	Sep 14, 2006
Instrument	2006-00025639

Lender

Name	MAIN STREET BANK & TRUST
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2007

November 2012: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 15, 2012
Property Address	20138 STERLING RD, BLOOMINGTON, IL 61705-5328
Document Number	201200029062
Instrument Date	Nov 2, 2012
Instrument	2012-00029062
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$633.75
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20138 STELING RD, BLOOMINGTON, IL 61705-5328

Mortgage

Document Number	201200029063
Date	Nov 15, 2012
Instrument	2012-00029063

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2042

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Old Town Township
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$219,278 Land $61,386 Building $157,892	$657,834 Land $184,158 Building $473,676
2024	$17,000.00 (+12.51%)
2023	$15,110.00	$189,806 Land $53,136 Building $136,670	$569,418 Land $159,408 Building $410,010

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 20138 Sterling Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 27, 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 Policies	2 in force

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 20138 Sterling Rd 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Watch TV Fixed Wireless	100 / 20
Frontier DSL	90 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Metronet, Nextlink.

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