Effingham County property record for 103 E Mount Vernon Ave, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,556 sqft · built 2000 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $765,000 (Dec 2025) |
| Tax Bill | $4,368 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Dec 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-333-071 |
| Primary APN | 03-11-333-071 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,556 sqft Base Area |
| 1st Floor Area | 1,556 sqft |
| Basement Area | 1,556 sqft |
| Unfinished Basement | 1,556 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 103 E MOUNT VERNON AVE |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 71 SOUTHWIND ADD 3 3805/227 2751/37 1635/84 1543/318 |
| Legal Subdivision | SOUTHWIND ADDITION |
| Legal Lot Number | 71 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 950600 |
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 | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CREDIT UNION |
| Dec 17, 2025 | Warranty Deed, Transfer |
| Aug 18, 2022 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on Record |
| Deed Sale | Dec 17, 2025 · Amount on Record |
| Prior Sale | Aug 17, 2011 · Amount on Record |
| Deed Document Number | 20254580 |
| Prior Transfer Date | Aug 16, 2022 |
| Prior Transfer Doc | 003805/227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Sep 8, 2026 |
| Property Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Document Number | 0000003425 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 20263425 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Document Number | 0000003425, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 20263425 |
| Name | LAND OF LINCOLN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Dec 17, 2025 |
| Property Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Document Number | 202525004580 |
| Map Reference | MB 1260 PG 163 |
| Instrument Date | Dec 16, 2025 |
| Instrument | 202525004580 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Aug 18, 2022 |
| Property Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
| Document Number | 003805/227 |
| Book / Page | 3805 / 227 |
| Map Reference | MB 1260 PG 163 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 202222003426 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4932 |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,368.00 (-6.83%) Homeowner's exemption Senior Citizen's exemption | $88,540 (+1%) Land $13,180 Building $75,360 | $265,620 (+1%) Land $39,540 Building $226,080 |
| 2024 | $4,688.00 (+27.25%) Homeowner's exemption Senior Citizen's exemption | $80,490 (+19.9%) Land $11,980 Building $68,510 | $241,470 (+19.9%) Land $35,940 Building $205,530 |
| 2022 | $3,684.00 Homeowner's exemption Senior Citizen's exemption | $67,130 Land $9,990 Building $57,140 | $201,390 Land $29,970 Building $171,420 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2019 · 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 128 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 |
| Fidium Fiber DSL | 500 / 75 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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