10224 E Heritage Dr, Effingham, IL 62401 Property Records

Effingham County property record for 10224 E Heritage Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 957 sqft · built 1975
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$83,000 (Mar 2011)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	May 2017 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-014-060`

Property Details

APN / Parcel Number

Primary APN	`11-07-014-060`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	957 sqft Base Area
1st Floor Area	957 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	28,314 sqft (0.65 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	10224 E HERITAGE DR
City	EFFINGHAM
State	IL
Zip	62401-4473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 HERITAGE ACRES ADDN 1 3533/329 2713/31 2462/314 2352/212 2352/210 2352/208 2128/110 1173/203 1011/53 509/65
Legal Subdivision	HERITAGE ACRES ADD
Legal Lot Number	23
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4007
Census Tract	950200

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	Individual Name on Record
Mailing Address	10224 E HERITAGE DR, EFFINGHAM, IL 62401-4473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Feb 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2011 · Amount on Record
Deed Sale	Mar 9, 2011 · Amount on Record
Prior Sale	Dec 9, 2008 · Amount on Record
Deed Document Number	20111101149
Deed Book / Page	2713 / 31
Last Transfer Date	Jan 5, 2020
Transfer Doc	003533/329
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10224 E HERITAGE DR, EFFINGHAM, IL 62401-4473
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003302/291
Date	May 26, 2017
Book Page	3302/291
Instrument	201701702300

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

Interest

Rate	3.25%

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 12, 2020
Property Address	10224 E HERITAGE DR, EFFINGHAM, IL 62401-4473
Document Number	003533/329
Book / Page	3533 / 329
Map Reference	PL 10-A
Instrument Date	Jan 5, 2020
Instrument	202020000658
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10224 E HERITAGE DR, EFFINGHAM, IL 62401-4473

Mortgage

Document Number	202020000659
Date	Feb 12, 2020
Instrument	202020000659

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

Interest

Rate	3.25%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,452.00 (+9.76%) Homeowner's exemption	$52,520 (+10.01%) Land $6,570 Building $45,950	$157,560 (+10.01%) Land $19,710 Building $137,850
2024	$2,234.00 (+43.11%)	$47,740 (+19.35%) Land $5,970 Building $41,770	$143,220 (+19.35%) Land $17,910 Building $125,310
2022	$1,561.00 Homeowner's exemption	$40,000 Land $5,000 Building $35,000	$120,000 Land $15,000 Building $105,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 23 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
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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