1020 N Main St, Effingham, IL 62401 Property Records

Effingham County property record for 1020 N Main St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,536 sqft · built 1974
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Tax Bill	$2,765 (2022)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-020-036`

Property Details

APN / Parcel Number

Primary APN	`03-11-020-036`

Interior

Stories	1 Story
Building Area	1,536 sqft Base Area

Exterior

Year Built	Built 1974
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1020 N MAIN ST
City	EFFINGHAM
State	IL
Zip	62401-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 NE LOT B GEORGE KATZ SUB 3199/85 2739/26 991/334
Legal Subdivision	GEORGE KATZ SUBDIVISION
Legal Lot Number	B
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1056
Census Tract	950700

Owner

Source: Effingham County records · APN 03-11-020-036

Assessment roll updated January 1, 2022 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1020 N MAIN ST, EFFINGHAM, IL 62401-2120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 08, 2016
Deed Sale	Apr 08, 2016
Prior Sale	Jul 05, 2011 · Amount on Record
Deed Document Number	201601601524
Deed Book / Page	3199 / 085
Record Updated	Jun 07, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1020 N MAIN ST, EFFINGHAM, IL 62401-2120
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3630/308
Date	Nov 13, 2020
Book Page	3630/308
Instrument	202020006328

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2035

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	$2,765.00 Homeowner's exemption	$47,860 Land $10,080 Building $37,780	$143,580 Land $30,240 Building $113,340

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (17049C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170499507001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 278 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wabash Telephone Cooperative Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: Wisper ISP.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	EFFINGHAM serves 12,252 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.