1012 Cardinal Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1012 Cardinal Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,758 sqft · built 1980
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Dec 2018)
Tax Bill	$6,567 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-213-033`

Property Details

APN / Parcel Number

Primary APN	`03-11-213-033`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,758 sqft Base Area
1st Floor Area	1,758 sqft
Basement Area	1,758 sqft
Unfinished Basement	1,758 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1012 CARDINAL DR
City	EFFINGHAM
State	IL
Zip	62401-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 PARK HILLS SUB ADD 2 3438/226 2173/285 1313/237 903/120
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	24
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1075
Census Tract	950600

Owner

Source: Effingham County records, as of October 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1012 CARDINAL DR, EFFINGHAM, IL 62401-3166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA
Dec 28, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NATIONAL ASS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	Oct 14, 2005 · Amount on Record
Deed Document Number	20181805446
Deed Book / Page	3438 / 226
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1012 CARDINAL DR, EFFINGHAM, IL 62401-3166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3522/267
Date	Dec 26, 2019
Book Page	3522/267
Instrument	201901905342

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 28, 2018
Property Address	1012 CARDINAL DR, EFFINGHAM, IL 62401-3166
Document Number	3438/226
Book / Page	3438 / 226
Instrument Date	Dec 28, 2018
Instrument	201801805446
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1012 CARDINAL DR, EFFINGHAM, IL 62401-3166

Mortgage

Document Number	201801805447
Date	Dec 28, 2018
Instrument	201801805447

Lender

Name	FIRST MID BANK & TRUST NATIONAL ASS
Type	Non-Lending Institution

Agreement

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

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	$6,567.00 (+13.75%)	$122,400 (+31.88%) Land $19,640 Building $102,760	$367,200 (+31.88%) Land $58,920 Building $308,280
2022	$5,773.00 Homeowner's exemption	$92,810 Land $14,890 Building $77,920	$278,430 Land $44,670 Building $233,760

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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