Effingham County property record for 1011 Cardinal Dr, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 4 ba · 1,460 sqft · built 1988 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $9,579 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-213-006 |
| Primary APN | 03-11-213-006 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Base Area |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 1,460 sqft |
| Unfinished Basement | 1,460 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 1011 CARDINAL DR |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 PARK HILLS SUB ADD II & PT OUTLOT !!C!! ADD 9 3863/301 2579/69 2573/293 1002/91 826/134 |
| Legal Subdivision | HILLS SUBDIVISION |
| Legal Lot Number | 15 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 950600 |
1011 Cardinal Dr is owner-occupied and held in a trust since June 2023.
Source: Effingham County records, as of October 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1011 CARDINAL DR, EFFINGHAM, IL 62401-3148 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 Transfer Date | Jun 12, 2023 |
| Transfer Doc | 003863/301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jun 16, 2023 |
| Property Address | 1011 CARDINAL DR, EFFINGHAM, IL 62401-3148 |
| Document Number | 003863/301 |
| Book / Page | 3863 / 301 |
| Map Reference | MB 10 PG 35 PL 4-A |
| Instrument Date | Jun 12, 2023 |
| Instrument | 202323001995 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1011 CARDINAL DR, EFFINGHAM, IL 62401-3148 |
The 2025 property tax bill for 1011 Cardinal Dr was $9,579 with exemptions applied, down 7.5% from the year before.
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 | $9,579.00 (-7.54%) Homeowner's exemption Senior Citizen's exemption | $180,790 (+1%) Land $22,620 Building $158,170 | $542,370 (+1%) Land $67,860 Building $474,510 |
| 2024 | $10,360.00 | $164,350 Land $20,560 Building $143,790 | $493,050 Land $61,680 Building $431,370 |
| 2022 | $8,737.00 Homeowner's exemption Senior Citizen's exemption | $137,080 Land $17,150 Building $119,930 | $411,240 Land $51,450 Building $359,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1011 Cardinal Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 risk around 1011 Cardinal Dr 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 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.
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 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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