1024 Taylor St, Effingham, IL 62401 Property Records

Effingham County property record for 1024 Taylor St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,600 sqft · built 1979
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Apr 2021)
Tax Bill	$3,092 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-120-040`

Property Details

APN / Parcel Number

Primary APN	`03-16-120-040`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Base Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1024 TAYLOR ST
City	EFFINGHAM
State	IL
Zip	62401-1757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 173 NORTHMORE HEIGHTS ADD D 3679/94 3249/308 1303/62 858/104
Legal Subdivision	NORTHMORE HEIGHTS
Legal Lot Number	173
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1051
Census Tract	950700

Owner

1024 Taylor St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 8, EFFINGHAM, IL 62401-0008
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 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 23, 2021	Warranty Deed, Transfer · USDA Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on File
Deed Sale	Apr 23, 2021 · Amount on File
Prior Sale	Oct 18, 2016 · Amount on File
Deed Document Number	202121001967
Deed Book / Page	3679 / 94
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1024 TAYLOR ST, EFFINGHAM, IL 62401-1757
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003561/12
Date	May 11, 2020
Book Page	3561/12
Instrument	202020002186

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2040

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 23, 2021
Property Address	1024 TAYLOR ST, EFFINGHAM, IL 62401-1757
Document Number	0003679/94
Book / Page	3679 / 94
Instrument Date	Apr 22, 2021
Instrument	202121001967
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1024 TAYLOR ST, 1024, EFFINGHAM, IL 62401-1757

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1024 TAYLOR ST, EFFINGHAM, IL 62401-1757

Mortgage

Document Number	202121001968
Date	Apr 23, 2021
Instrument	202121001968

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1024 Taylor St was $3,092 with exemptions applied.

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	$3,092.00	$65,810 Land $11,940 Building $53,870	$197,430 Land $35,820 Building $161,610
2022	$2,641.00 Homeowner's exemption Senior Citizen's exemption	$46,010 Land $9,050 Building $36,960	$138,030 Land $27,150 Building $110,880

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 1024 Taylor 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

Wildfire risk around 1024 Taylor St is low, with less than a 0.01% annual chance of 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 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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