Whiteside County property record for 3801 15th Ave, Sterling, IL 61081
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 0.758 acres (33,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Jul 2021) |
| Tax Bill | $7,393 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Jul 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1110100018 |
| Primary APN | 1110100018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Lot Area | 33,018 sqft (0.758 acres) |
|---|---|
| Lot Dimensions | 223 ft deep x 148 ft wide |
| Account Number | 109002 |
|---|---|
| Street Address | 3801 15TH AVE |
| City | STERLING |
| State | IL |
| Zip | 61081-9435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE RIDGE - PHASE I LOT 17 |
| Legal Subdivision | PRAIRIE RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | WHITESIDE IL |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 900 |
3801 15th Ave is owned and occupied by an individual who bought it in July 2021.
Source: Whiteside County records, as of May 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3801 15TH AVE, STERLING, IL 61081-9435 |
| 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.
| Date | Document |
|---|---|
| Dec 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage UNITED STATES OF AMERICA |
| Jul 21, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA |
| Jul 21, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA |
| Jul 20, 2018 | Deed of Trust, Mortgage · Line of Credit STERLING BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2021 · Amount on File |
| Deed Sale | Jul 21, 2021 · Amount on File |
| Prior Sale | Dec 7, 2012 · Amount on File |
| Deed Document Number | 20215069 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 3801 15TH AVE, STERLING, IL 61081-9435 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000007238 |
|---|---|
| Date | Dec 6, 2022 |
| Instrument | 2022-07238 |
| Name | UNITED STATES OF AMERICA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Jul 21, 2021 |
| Property Address | 3801 15TH AVE, STERLING, IL 61081-9435 |
| Document Number | 0202105069 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-05069 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2101 DIXON RD, ROCK FALLS, IL 61071-2003 |
| Document Number | 0202105070 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021-05070 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Recording Date | Jul 21, 2021 |
| Property Address | 3801 15TH AVE, STERLING, IL 61081-9435 |
| Document Number | 0000005069 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021-05069 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2101 DIXON RD, ROCK FALLS, IL 61071-2003 |
| Document Number | 0000005070 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021-05070 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITESIDE IL |
| Property Address | 3801 15TH AVE, STERLING, IL 61081-9435 |
| Document Number | 0000003932 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3801 15TH AVE STERLING IL 610819435, STERLING, IL 61081-9435 |
| Document Number | 0000003932 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 3932 |
| Name | STERLING BK |
|---|---|
| Type | Bank |
| Address | STERLING, IL 61081 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jul 22, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3801 15th Ave was $7,393.
Source: Whiteside County assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Whiteside County |
| County Subdivision | Sterling Township |
| Unified School District | Sterling Community Unit District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,393.00 | $102,711 Land $9,106 Building $93,605 | |
| 2024 | $308,133 Land $27,318 Building $280,815 |
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.
FEMA maps place 3801 15th Ave 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 risk around 3801 15th 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 98% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IL AMERICAN-STERLING private · serves 14,782 people · EPA ID IL1955040 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 44 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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