Effingham County property record for 10078 E Heritage Dr, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 912 sqft · built 1974 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $109,000 (Jul 2019) |
| Tax Bill | $1,942 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-014-029 |
| Primary APN | 11-07-014-029 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 912 sqft Base Area |
| 1st Floor Area | 912 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Frame |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 10078 E HERITAGE DR |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4475 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 HERITAGE ACRES 3479/238 3015/298 805/102 |
| Legal Subdivision | HERITAGE ACRES SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | SUMMIT |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 950200 |
Source: Effingham County records, as of October 5, 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 | 601 E JEFFERSON AVE, EFFINGHAM, IL 62401-3406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2019 · Amount on Record |
| Deed Sale | Jul 15, 2019 · Amount on Record |
| Prior Sale | Feb 21, 2014 · Amount on Record |
| Deed Document Number | 20191902641 |
| Deed Book / Page | 3479 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jul 15, 2019 |
| Property Address | 10078 E HERITAGE DR, EFFINGHAM, IL 62401-4475 |
| Document Number | 3479/238 |
| Book / Page | 3479 / 238 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 201901902641 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $163.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10078 E HERITAGE DR, EFFINGHAM, IL 62401-4475 |
| Document Number | 201901902642 |
|---|---|
| Date | Jul 15, 2019 |
| Instrument | 201901902642 |
| Name | DIETERICH BANK NA |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.42% |
| Type Change Date | Jul 11, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.42% |
| Index | 1-Year CMT |
| Max Rate | 8.42% |
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Summit Township |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,942.00 (+60.36%) | $42,850 (+31.28%) Land $4,000 Building $38,850 | $128,550 (+31.28%) Land $12,000 Building $116,550 |
| 2022 | $1,211.00 Homeowner's exemption | $32,640 Land $3,050 Building $29,590 | $97,920 Land $9,150 Building $88,770 |
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.
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.
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 | 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 | EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 25 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 36 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 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
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