428 S 2nd St, Sterling, CO 80751 Property Records

Logan County property record for 428 S 2nd St, Sterling, CO 80751

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,924 sqft · built 1915
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Sep 2023)
Tax Bill	$1,227 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38052532120005`

Property Details

APN / Parcel Number

Primary APN	`38052532120005`
Alternative APN	`5616000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,924 sqft Heated Area
1st Floor Area	962 sqft
Basement Area	396 sqft
Unfinished Basement	396 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1955
Architectural Style	Victorian
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	91 sqft
Patio Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	5616000
Street Address	428 S 2ND ST
City	STERLING
State	CO
Zip	80751-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 2 MINOS C KING & SARAH E SMITH ADDN STERLING
Legal Range	52W
Legal Township	08N
Legal Section	32
Legal Subdivision	SMITH ADDN
Legal Block	2
Legal Lot Number	7
Jurisdiction	LOGAN CO
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2096
Census Tract	966200

Owner

428 S 2nd St is owned and occupied by an individual who bought it in September 2023.

Source: Logan County records, as of May 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	428 S 2ND ST, STERLING, CO 80751-4219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 19, 2023	Special Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Dec 19, 2013 · Amount on File
Deed Document Number	2023767870
Deed Book / Page	1056 / 70
Prior Transfer Date	Mar 15, 2007
Prior Transfer Doc	0000685056
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	428 S 2ND ST, STERLING, CO 80751-4219
Transaction Type	Mortgage
Record Updated	May 14, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 S 2ND ST, STERLING, CO 80751-4219

Mortgage

Document Number	0000772598
Date	Oct 2, 2024
Book Page	1060/803
Instrument	772598

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Sep 19, 2023
Property Address	428 S 2ND ST, STERLING, CO 80751-4219
Document Number	0000767870
Book / Page	1056 / 70
Instrument Date	Sep 12, 2023
Instrument	767870
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	HOMESITE TITLE, HOMESTEAD TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.99
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 312, STERLING, CO 80751-0312

Mortgage

Document Number	0000767871
Date	Sep 19, 2023
Instrument	767871

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 428 S 2nd St was $1,227.

Source: Logan County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Logan County
Municipality	Sterling City
Unified School District	Valley School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,227.00	$14,646	$234,330 Land $28,750 Building $205,580
2023	$844.00 (-25.9%)	$199,160 (+1,339.02%) Land $21,560 Building $177,600	$199,160 (-) Land $21,560 Building $177,600
2022	$1,139.00	$13,840 Land $1,500 Building $12,340	$199,160 Land $21,560 Building $177,600

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 428 S 2nd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 29, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1982–2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Heavy Rain, Flash Floods, Flooding, Mudslides, Jul 1997 · 3 claims

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 428 S 2nd 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 93% of the US · lower than 97.2% of Colorado
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF STERLING serves 15,100 people · EPA ID CO0138045
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kentec Communications Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
ElektraFi Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Vistabeam.

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