1027 Taylor St, Effingham, IL 62401 Property Records

Effingham County property record for 1027 Taylor St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,444 sqft · built 1977
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Aug 2019)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-120-030`

Property Details

APN / Parcel Number

Primary APN	`03-16-120-030`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Base Area
1st Floor Area	1,444 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Area	514 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1027 TAYLOR ST
City	EFFINGHAM
State	IL
Zip	62401-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 159 NORTHMORE HEIGHTS D 3485/41 3206/10 2661/132 1671/123 1384/97 956/247
Legal Subdivision	NORTHMORE HEIGHTS
Legal Lot Number	159
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2007
Census Tract	950700

Owner

1027 Taylor St is owned and occupied by an individual who bought it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1027 TAYLOR ST, EFFINGHAM, IL 62401-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Aug 2, 2019	Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Prior Sale	Sep 22, 2010 · Amount on File
Deed Document Number	20191902958
Deed Book / Page	3485 / 41
Prior Transfer Date	May 9, 2016
Prior Transfer Doc	003206/010
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1027 TAYLOR ST, EFFINGHAM, IL 62401-1753
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003611/137
Date	Sep 16, 2020
Book Page	3611/137
Instrument	202020005127

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 2, 2019
Property Address	1027 TAYLOR ST, EFFINGHAM, IL 62401-1753
Document Number	003485/041
Book / Page	3485 / 041
Map Reference	MB 8 PG 43
Instrument Date	Aug 1, 2019
Instrument	201901902958
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	ATTORNEY TITLE GUARANTY, ATTORNEYS TITLE GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1027 TAYLOR ST, EFFINGHAM, IL 62401-1753

Mortgage

Document Number	201901902959
Date	Aug 2, 2019
Instrument	201901902959

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 1027 Taylor St was $3,317 with a homeowner's exemption, down 7.2% 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	$3,317.00 (-7.19%) Homeowner's exemption	$64,800 (+1%) Land $12,870 Building $51,930	$194,400 (+1%) Land $38,610 Building $155,790
2024	$3,574.00	$58,910 Land $11,700 Building $47,210	$176,730 Land $35,100 Building $141,630
2022	$1,680.00 Homeowner's exemption	$49,140 Land $9,760 Building $39,380	$147,420 Land $29,280 Building $118,140

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 1027 Taylor St in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 1027 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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