1007 S 5th St, Effingham, IL 62401 Property Records

Effingham County property record for 1007 S 5th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,640 sqft · built 1907
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Tax Bill	$1,792 (2022)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-049-013`

Property Details

APN / Parcel Number

Primary APN	`03-16-049-013`

Interior

Stories	2 Stories
Building Area	1,640 sqft Base Area
Basement Area	1,376 sqft

Exterior

Year Built	Built 1907
Construction Type	Frame
Lot Area	8,276 sqft (0.189 acres)

Location & Zoning

Street Address	1007 S 5TH ST
City	EFFINGHAM
State	IL
Zip	62401-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 8 RICKELMAN'S SUB OF BLISS PARK ADD EXCEPT ROW 1071/253 1046/259 972/117 965/254
Legal Subdivision	BLISS PARK ADDITION
Legal Block	8
Legal Lot Number	13
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2055
Census Tract	950800

Owner

Source: Effingham County records, as of August 24, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1007 S 5TH ST, EFFINGHAM, IL 62401-2663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 20, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0001071253
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 5TH ST, EFFINGHAM, IL 62401-2663
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3677/124
Date	Apr 16, 2021
Book Page	3677/124
Instrument	202121001848

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Nov 1, 2049

Interest

Rate	2.87%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 5TH ST, EFFINGHAM, IL 62401-2663
Transaction Type	Mortgage
Record Updated	Jul 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3572/238
Date	Jun 8, 2020
Book Page	3572/238
Instrument	202020002853

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Oct 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 5TH ST, EFFINGHAM, IL 62401-2663
Transaction Type	Mortgage
Record Updated	Oct 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3493/013
Date	Sep 3, 2019
Book Page	3493/013
Instrument	201901903461

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 5TH ST, EFFINGHAM, IL 62401-2663
Transaction Type	Mortgage
Record Updated	Oct 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3415/264
Date	Sep 20, 2018
Book Page	3415/264
Instrument	201801803914

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate	5.12%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,792.00 Homeowner's exemption Senior Citizen's exemption	$33,340 Land $9,990 Building $23,350	$100,020 Land $29,970 Building $70,050

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 444 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	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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