1018 Penguin St, Effingham, IL 62401 Property Records

Effingham County property record for 1018 Penguin St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,160 sqft · built 1974
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Dec 2007)
Tax Bill	$4,192 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2024 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-002-023`

Property Details

APN / Parcel Number

Primary APN	`03-16-002-023`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,160 sqft Base Area
1st Floor Area	1,160 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1018 PENGUIN ST
City	EFFINGHAM
State	IL
Zip	62401-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 GOECKNER SUB 2372/15 2157/218 2157/204 2157/201 2157/198 1068/127 710/249
Legal Subdivision	GOECKNER SUBDIVISION
Legal Lot Number	8
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1055
Census Tract	950700

Owner

1018 Penguin St is owned and occupied by two individuals who bought it in December 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	1018 PENGUIN ST, EFFINGHAM, IL 62401-2135
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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Apr 15, 2024	Deed of Trust, Mortgage · Reverse Mortgage DIETERICH BANK A STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2007 · Amount on File
Deed Sale	Dec 21, 2007 · Amount on File
Prior Sale	Aug 12, 2005 · Amount on File
Deed Document Number	2007706447
Deed Book / Page	2372 / 15
Prior Transfer Date	Aug 5, 2005
Prior Transfer Doc	002157/204
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	May 4, 2026
Property Address	1018 PENGUIN ST, EFFINGHAM, IL 62401-2135
Document Number	0000001581
Instrument Date	Apr 27, 2026
Instrument	20261581
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1018 PENGUIN ST, EFFINGHAM, IL 62401-2135
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001581,
Date	May 4, 2026
Instrument	20261581

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 23, 2036

Interest

Rate	6.75%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1018 PENGUIN ST, EFFINGHAM, IL 62401-2135
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202424001133
Date	Apr 15, 2024
Instrument	202424001133

Lender

Name	DIETERICH BANK A STATE BANK
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 23, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 1018 Penguin St was $4,192 with a homeowner's exemption, down 7.4% from the year before.

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	$4,192.00 (-7.4%) Homeowner's exemption	$80,310 (+1%) Land $12,550 Building $67,760	$240,930 (+1%) Land $37,650 Building $203,280
2024	$4,527.00	$73,010 Land $11,410 Building $61,600	$219,030 Land $34,230 Building $184,800
2022	$3,637.00 Homeowner's exemption	$60,890 Land $9,510 Building $51,380	$182,670 Land $28,530 Building $154,140

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

FEMA maps place 1018 Penguin St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2000 · 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

The area around 1018 Penguin St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 278 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

May also be available: Wisper ISP.

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