103 E Elm St, Dieterich, IL 62424 Property Records

Effingham County property record for 103 E Elm St, Dieterich, IL 62424

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,308 sqft · built 1900
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Feb 2026)
Tax Bill	$1,831 (2024)
Deeds & Mortgages	Jul 2015 Line of Credit Aug 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-20-010-019`

Property Details

APN / Parcel Number

Primary APN	`02-20-010-019`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,308 sqft Base Area
1st Floor Area	1,308 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	14,810 sqft (0.34 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	103 E ELM ST
City	DIETERICH
State	IL
Zip	62424-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 & 14 BLK 2 DETERS SUB 3203/233 1669/227 1047/40 501/60
Legal Subdivision	DETERS SUBDIVISION
Legal Block	2
Legal Lot Number	13-14
Jurisdiction	EFFINGHAM IL
Township / Civil Division	BISHOP
Census Block Group	1
Census Block	1070
Census Tract	950500

Owner

Source: Effingham County records, as of March 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	103 E ELM ST, DIETERICH, IL 62424-1005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2015	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Aug 30, 2006	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Feb 13, 2013	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Feb 23, 2026	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Apr 28, 2016 · Amount on Record
Deed Document Number	2026660
Prior Transfer Date	Aug 13, 2013
Prior Transfer Doc	2988/271
Record Updated	Jun 8, 2026

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	103 E ELM ST, DIETERICH, IL 62424-1005
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003136/059
Date	Jul 31, 2015
Book Page	3136/059
Instrument	201501503136

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Aug 15, 2030

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	103 E ELM ST, DIETERICH, IL 62424-1005
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002253/161
Date	Aug 30, 2006
Book Page	2253/161
Instrument	0604273

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2021

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	103 E ELM ST, DIETERICH, IL 62424-1005
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002924/190
Date	Feb 13, 2013
Book Page	2924/190
Instrument	201301300788

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2023

Interest

Rate	2.62%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 23, 2026
Property Address	103 E ELM ST, DIETERICH, IL 62424-1005
Document Number	202626000660
Map Reference	MB 29 PG 178
Instrument Date	Feb 20, 2026
Instrument	202626000660
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 E ELM ST, DIETERICH, IL 62424-1005

Mortgage

Document Number	202626000661
Date	Feb 23, 2026
Instrument	202626000661

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Bishop Township
Municipality	Dieterich Village
Unified School District	Dieterich Community Unit School District 30 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$1,831.00 (+53.74%) Homeowner's exemption	$30,610 (+21.56%) Land $4,760 Building $25,850	$91,830 (+21.56%) Land $14,280 Building $77,550
2022	$1,191.00 Homeowner's exemption	$25,180 Land $3,920 Building $21,260	$75,540 Land $11,760 Building $63,780

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

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 97% of the US · lower than 79% 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	DIETERICH serves 900 people · EPA ID IL0490150
Water Source	Purchased groundwater from EJ WATER COOPERATIVE
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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