1007 Cardinal Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1007 Cardinal Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,820 sqft · built 1979
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Dec 2018)
Tax Bill	$6,608 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-213-004`

Property Details

APN / Parcel Number

Primary APN	`03-11-213-004`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,820 sqft Base Area
1st Floor Area	1,820 sqft
Basement Area	1,820 sqft
Unfinished Basement	1,819 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1007 CARDINAL DR
City	EFFINGHAM
State	IL
Zip	62401-3148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 PARK HILLS SUB ADD II 3438/332 2186/249 1971/215 1971/201 1266/119 576/59
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	13
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1062
Census Tract	950600

Owner

Source: Effingham County records, as of October 19, 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	1007 CARDINAL DR, EFFINGHAM, IL 62401-3148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	Dec 2, 2005 · Amount on Record
Deed Document Number	20181805463
Deed Book / Page	3438 / 332
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 CARDINAL DR, EFFINGHAM, IL 62401-3148
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	NOT AVAILABLE, ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3672/196
Date	Mar 31, 2021
Book Page	3672/196
Instrument	202121001566

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate	2.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 CARDINAL DR, EFFINGHAM, IL 62401-3148
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3488/302
Date	Aug 16, 2019
Book Page	3488/302
Instrument	201901903196

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

Interest

Rate	3.5%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 31, 2018
Property Address	1007 CARDINAL DR, EFFINGHAM, IL 62401-3148
Document Number	3438/332
Book / Page	3438 / 332
Map Reference	MB 100 PG 35
Instrument Date	Dec 28, 2018
Instrument	201801805463
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1007 CARDINAL DR, 1007, EFFINGHAM, IL 62401-3148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1007 CARDINAL DR, EFFINGHAM, IL 62401-3148

Mortgage

Document Number	201801805464
Date	Dec 31, 2018
Instrument	201801805464

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate	4.87%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Douglas Township
Municipality	Effingham City
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,608.00 (+45.1%)	$123,130 (+31.87%) Land $27,870 Building $95,260	$369,390 (+31.87%) Land $83,610 Building $285,780
2022	$4,554.00 Homeowner's exemption	$93,370 Land $21,140 Building $72,230	$280,110 Land $63,420 Building $216,690

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 January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 99.1% of the US · lower than 94% 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.

Drinking Water

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

Water System	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	200 / 40
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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