2103 40th St, Sterling, IL 61081 Property Records

Whiteside County property record for 2103 40th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,875 sqft · built 1977
Lot Size	0.69 acres (30,060 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Sep 2022)
Tax Bill	$4,914 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1110276002`

Property Details

APN / Parcel Number

Primary APN	`1110276002`
Alternative APN	`112955`

Interior

Bedrooms	3 Beds
Building Area	1,875 sqft Building Perimeter

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	30,060 sqft (0.69 acres)
Lot Dimensions	180 ft deep x 167 ft wide
Garage Area	550 sqft

Location & Zoning

Account Number	112955
Street Address	2103 40TH ST
City	STERLING
State	IL
Zip	61081-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAYMOND SNAVELYS 3RD ADD LOT 23 740823X
Legal Subdivision	RAYMOND SNAVELYS THIRD ADDITION
Legal Lot Number	23
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3028
Census Tract	900

Owner

2103 40th St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2103 40TH ST, STERLING, IL 61081-9417
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
Jul 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage SAUK VALLEY BANK & TRUST CO
Sep 26, 2022	Warranty Deed, Transfer · Stand-Alone Refinance SAUK VALLEY BANK
Jul 30, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST ST BK/SHANNON-POLO
Jul 30, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST ST BK/SHANNON-POLO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	May 1, 2007 · Amount on File
Deed Document Number	20225842
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2103 40TH ST, STERLING, IL 61081-9417
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003682
Date	Jul 26, 2023
Instrument	2023-03682

Lender

Name	SAUK VALLEY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Sep 26, 2022
Property Address	2103 40TH ST, STERLING, IL 61081-9417
Document Number	0000005842
Instrument Date	Sep 16, 2022
Instrument	2022-05842
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2103 40TH ST, STERLING, IL 61081-9417

Mortgage

Document Number	0000005843
Date	Sep 26, 2022
Instrument	2022-05843

Lender

Name	SAUK VALLEY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITESIDE IL
Property Address	2103 40TH ST, STERLING, IL 61081-9417
Document Number	0000004254
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 40TH ST STERLING IL 610819417, STERLING, IL 61081-9417

Mortgage

Document Number	0000004254
Date	Aug 12, 2019
Instrument	4254

Lender

Name	FIRST ST BK/SHANNON-POLO
Type	Bank
Address	SHANNON, IL 61078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 11, 2024

Interest

Rate	4.6%

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITESIDE IL
Property Address	2103 40TH ST, STERLING, IL 61081-9417
Document Number	0000004255
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 40TH ST STERLING IL 610819417, STERLING, IL 61081-9417

Mortgage

Document Number	0000004255
Date	Aug 12, 2019
Instrument	4255

Lender

Name	FIRST ST BK/SHANNON-POLO
Type	Bank
Address	SHANNON, IL 61078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 11, 2024

Interest

Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 2103 40th St was $4,914.

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	$4,914.00	$70,286 Land $7,296 Building $62,990
2024			$210,858 Land $21,888 Building $188,970

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 2103 40th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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	4 (2002)
Most Recent Claim	Jun 2002 · river or lake flooding

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 2103 40th St 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 98% of the US · lower than 86% 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: JCWIFI.com, Rise Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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