Effingham County property record for 101 W Cedar Ave, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,878 sqft · built 1974 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,500 (Jun 2016) |
| Tax Bill | $3,688 (2025) |
| Deeds & Mortgages | Jan 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-323-024 |
| Primary APN | 03-11-323-024 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,878 sqft Base Area |
| 1st Floor Area | 1,878 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Area | 667 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 101 W CEDAR AVE |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-2976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK 13 BUENEKEMPER'S SUBD !!F!! (B&B) SE SE SEC 32 & SW SW SEC 33 3218/91 486/168 486/169 |
| Legal Subdivision | BUENEKEMPER'S SUBDIVISION |
| Legal Block | 13 |
| Legal Lot Number | 1 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 950600 |
101 W Cedar Ave is owned and occupied by two individuals who bought it in June 2016.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 W CEDAR AVE, EFFINGHAM, IL 62401-2976 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2016 · Amount on File |
| Deed Sale | Jun 28, 2016 · Amount on File |
| Deed Document Number | 20161602801 |
| Deed Book / Page | 3218 / 91 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 101 W CEDAR AVE, EFFINGHAM, IL 62401-2976 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 003837/130 |
|---|---|
| Date | Jan 26, 2023 |
| Book Page | 3837/130 |
| Instrument | 202323000283 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 11, 2033 |
The 2025 property tax bill for 101 W Cedar Ave was $3,688 with a homeowner's exemption.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,688.00 | $71,460 Land $13,020 Building $58,440 | $214,380 Land $39,060 Building $175,320 |
| 2022 | $3,183.00 Homeowner's exemption | $54,180 Land $9,870 Building $44,310 | $162,540 Land $29,610 Building $132,930 |
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.
FEMA maps place 101 W Cedar Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2019 · 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 risk around 101 W Cedar Ave is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 128 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 |
| Fidium Fiber DSL | 500 / 75 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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