1014 Cardinal Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1014 Cardinal Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,436 sqft · built 2017
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Company Names on Record
Last Sale	$35,000 (Sep 2016)
Tax Bill	$7,697 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Mar 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-213-032`

Property Details

APN / Parcel Number

Primary APN	`03-11-213-032`

Interior

Stories	1 Story
Building Area	2,436 sqft Base Area
1st Floor Area	2,436 sqft
Basement Area	2,436 sqft
Unfinished Basement	2,436 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1014 CARDINAL DR
City	EFFINGHAM
State	IL
Zip	62401-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 PARK HILLS SUB ADD 2 3245/16 2073/317
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	23
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 1707, EFFINGHAM, IL 62401-8107
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Line of Credit TEUTOPOLIS STATE BANK
Mar 17, 2017	Deed of Trust, Mortgage · Construction Mortgage TEUTOPOLIS STATE BANK
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2016 · Amount on Record
Deed Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	20161604403
Deed Book / Page	3245 / 16
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1014 CARDINAL DR, EFFINGHAM, IL 62401-3166
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 CARDINAL DR, EFFINGHAM, IL 62401-3166

Mortgage

Document Number	3711/341
Date	Aug 3, 2021
Book Page	3711/341
Instrument	202121003927

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Interest

Rate	2.37%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1014 CARDINAL DR, EFFINGHAM, IL 62401-3166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3286/020
Date	Mar 17, 2017
Book Page	3286/020
Instrument	201700001200

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Sep 10, 2017

Interest

Rate	3%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1014 CARDINAL DR, EFFINGHAM, IL 62401-3166
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CTRS, TITLE CENTER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3334/339
Date	Sep 19, 2017
Book Page	3334/339
Instrument	201701704471

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate	3.87%

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	$7,697.00 (+13.36%)	$142,440 (+31.89%) Land $19,640 Building $122,800	$427,320 (+31.89%) Land $58,920 Building $368,400
2022	$6,790.00 Homeowner's exemption	$108,000 Land $14,890 Building $93,110	$324,000 Land $44,670 Building $279,330

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 · 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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