3803 E 20th St, Sterling, IL 61081 Property Records

Whiteside County property record for 3803 E 20th St, Sterling, IL 61081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,790 sqft · built 2005
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2025)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	Dec 2025 Foreclosure Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`1114478003`

Property Details

APN / Parcel Number

Primary APN	`1114478003`
Alternative APNs	`109420` `123222`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,790 sqft Building Perimeter
Basement Area	2,790 sqft
Unfinished Basement	2,790 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	204 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	918 sqft

Location & Zoning

Account Number	123222
Street Address	3803 E 20TH ST
City	STERLING
State	IL
Zip	61081-4296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANDLELIGHT MANOR #3 LOT 45 744445X
Legal Subdivision	CANDLELIGHT MANOR PHASE III
Legal Lot Number	45
Jurisdiction	WHITESIDE IL
Township / Civil Division	STERLING
Census Block Group	4
Census Block	4025
Census Tract	900

Owner

Source: Whiteside County records, as of May 22, 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 Record
Mailing Address	896 FRANKLIN GROVE RD, DIXON, IL 61021-3916
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Trustee's Deed, Foreclosure · Conventional Mortgage COMMUNITY STATE BANK OF ROCK FALLS
Aug 30, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Deed Document Number	20256209
Prior Transfer Date	Aug 20, 2021
Prior Transfer Doc	0202106075
Record Updated	Sep 20, 2026

December 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WHITESIDE IL
Recording Date	Dec 3, 2025
Property Address	3803 E 20TH ST, STERLING, IL 61081-4296
Document Number	0000006209
Instrument Date	Nov 7, 2025
Instrument	2025-06209
Transaction Type	Foreclosure
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	896 FRANKLIN GROVE RD, DIXON, IL 61021-3916

Mortgage

Document Number	0000006210
Date	Dec 3, 2025
Instrument	2025-06210

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITESIDE IL
Recording Date	Aug 30, 2021
Property Address	3803 E 20TH ST, STERLING, IL 61081-4296
Document Number	0202106075
Instrument Date	Aug 20, 2021
Instrument	2021-06075
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3803 E 20TH ST, STERLING, IL 61081-4296

Tax Assessment & Valuation

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	$4,853.00 (-1.92%) Senior Citizen's exemption	$102,720 (+6.23%) Land $9,629 Building $93,091
2024	$4,948.00 Senior Citizen's exemption	$96,696 Land $9,064 Building $87,632	$308,160 (+6.23%) Land $28,887 Building $279,273
2023			$290,088 Land $27,192 Building $262,896

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

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	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Verizon.

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