2108 E 39th St, Sterling, IL 61081 Property Records

Whiteside County property record for 2108 E 39th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Lot Size	0.69 acres (30,060 sqft)
Owner	Individual Name on File
Last Sale	$50,500 (Jun 2018)
Tax Bill	$4,843 (2025)
Deeds & Mortgages	Mar 2022 Refinance Oct 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1110276006`

Property Details

APN / Parcel Number

Primary APN	`1110276006`
Alternative APNs	`100291` `117550`

Exterior

Lot Area	30,060 sqft (0.69 acres)
Lot Dimensions	180 ft deep x 167 ft wide

Location & Zoning

Account Number	117550
Street Address	2108 E 39TH ST
City	STERLING
State	IL
Zip	61081-9409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST ADD R. SNAVELY LOT 3 698900X
Legal Subdivision	FIRST ADDITION
Legal Lot Number	3
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3028
Census Tract	900

Owner

Source: Whiteside County records · APN 1110276006

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	Individual Name on File
Mailing Address	2108 E 39TH ST, STERLING, IL 61081-9409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SELECT EMPLOYEES CREDIT UNION
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SELECT EMPLOYEES CREDIT UNION
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SELECT EMPLOYEES CREDIT UNION
Jun 24, 2019	Deed of Trust, Mortgage SELECT EMPS CU
Jun 26, 2018	Warranty Deed, Transfer · FHA Mortgage CHERRY CREEK MTG
Jul 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage SELECT EMPLOYEES CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	20183386
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001564
Date	Mar 16, 2022
Instrument	2022-01564

Lender

Name	SELECT EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 01, 2027

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007636
Date	Oct 29, 2021
Instrument	2021-07636

Lender

Name	SELECT EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	73 Months
Due	Nov 01, 2027

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202107636
Date	Oct 29, 2021
Instrument	2021-07636

Lender

Name	SELECT EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	73 Months
Due	Nov 01, 2027

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Document Number	0000003582
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 E 39TH ST STERLING IL 610819409, STERLING, IL 61081-9409

Mortgage

Document Number	0000003582
Date	Jul 08, 2019
Instrument	3582

Lender

Name	SELECT EMPS CU
Address	2412 FREEPORT RD, STERLING, IL 61081-7626

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 07, 2024

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Jun 26, 2018
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Document Number	0000003386
Instrument Date	Jun 22, 2018
Instrument	3386
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	NTI TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$227.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 E 39TH ST STERLING IL 610819409, STERLING, IL 61081-9409

Mortgage

Document Number	3387
Date	Jun 26, 2018
Instrument	3387

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Interest

Rate	4.75%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITESIDE IL
Property Address	2108 E 39TH ST, STERLING, IL 61081-9409
Document Number	0000004462
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2108 E 39TH ST STERLING IL 610819409, STERLING, IL 61081-9409

Mortgage

Document Number	0000004462
Date	Aug 02, 2017
Instrument	4462

Lender

Name	SELECT EMPLOYEES CU
Address	2412 FREEPORT RD, STERLING, IL 61081-7626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 01, 2022

Tax Assessment & Valuation

Source: Whiteside County records · Assessment roll updated May 22, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,843.00	$74,355 Land $7,296 Building $67,059
2024			$223,065 Land $21,888 Building $201,177

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 26, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Computer Dynamics of NW Illinois, JAB Wireless, T-Mobile USA.

Based on FCC filings for 121 locations within half a mile of this property.

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