1027 Cardinal Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1027 Cardinal Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,062 sqft · built 1988
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$1,125,000 (Oct 2024)
Tax Bill	$5,341 (2025)
Deeds & Mortgages	Dec 2022 Sale Sep 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-11-214-002`

Property Details

APN / Parcel Number

Primary APN	`03-11-214-002`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,062 sqft Base Area
1st Floor Area	1,062 sqft
Basement Area	1,062 sqft
Unfinished Basement	1,062 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1027 CARDINAL DR
City	EFFINGHAM
State	IL
Zip	62401-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 PARK HILLS SUB ADD 6 24003234 3829/80 3809/338 2767/12 2767/9 2696/338 1263/20 1152/86 838/184
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1073
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	Individual Name on Record
Mailing Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 7, 2022	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Document Number	20243234
Prior Transfer Date	Sep 30, 2011
Prior Transfer Doc	2767/012
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 6, 2022
Property Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155
Document Number	0003829/80
Book / Page	3829 / 80
Map Reference	MB 14 PG 24
Instrument Date	Dec 2, 2022
Instrument	202222004943
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 7, 2022
Property Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155
Document Number	003809/338
Book / Page	3809 / 338
Map Reference	PL 88-D
Instrument Date	Sep 1, 2022
Instrument	202222003703
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1027 CARDINAL DR, EFFINGHAM, IL 62401-3155

Mortgage

Document Number	202222003704
Date	Sep 7, 2022
Instrument	202222003704

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,341.00 (-7.55%) Homeowner's exemption	$100,680 (+10.01%) Land $22,620 Building $78,060	$302,040 (+10.01%) Land $67,860 Building $234,180
2024	$5,777.00 (+23.68%)	$91,520 (+19.9%) Land $20,560 Building $70,960	$274,560 (+19.9%) Land $61,680 Building $212,880
2022	$4,671.00 Homeowner's exemption	$76,330 Land $17,150 Building $59,180	$228,990 Land $51,450 Building $177,540

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 100 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 98% of the US · lower than 86% 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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