104 E Mount Vernon Ave, Effingham, IL 62401 Property Records

Effingham County property record for 104 E Mount Vernon Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	916 sqft · built 1999
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Dec 2018)
Tax Bill	$5,521 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-333-082`

Property Details

APN / Parcel Number

Primary APN	`03-11-333-082`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	917 sqft Base Area
1st Floor Area	917 sqft
Basement Area	905 sqft
Unfinished Basement	904 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	104 E MOUNT VERNON AVE
City	EFFINGHAM
State	IL
Zip	62401-4919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 82 SOUTHWIND ADD 3 3749/19 3435/315 2372/195 1395/309
Legal Subdivision	SOUTHWIND ADDITION
Legal Lot Number	82
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3033
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	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Mar 9, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND STATES BANK
Dec 20, 2021	Warranty Deed, Transfer · FHA Mortgage MIDLAND STATES BANK
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Dec 26, 2007
Deed Document Number	20181805250
Deed Book / Page	3435 / 315
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 28, 2026
Property Address	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919
Document Number	0000003314
Instrument Date	Aug 20, 2026
Instrument	20263314
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003314,
Date	Aug 28, 2026
Instrument	20263314

Lender

Name	CROSSROADS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003767/248
Date	Mar 9, 2022
Book Page	3767/248
Instrument	202222001004

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.12%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 20, 2021
Property Address	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919
Document Number	0003749/19
Book / Page	3749 / 19
Map Reference	MB 1260 PG 163
Instrument Date	Dec 17, 2021
Instrument	202121006198
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919

Mortgage

Document Number	202121006199
Date	Dec 20, 2021
Instrument	202121006199

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.12%

Mortgage

Document Number	003750/185
Date	Dec 28, 2021
Book Page	3750/185
Instrument	202121006289

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 17, 2018
Property Address	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919
Document Number	003435/315
Book / Page	3435 / 315
Map Reference	MB 1260 PG 163
Instrument Date	Dec 14, 2018
Instrument	201801805250
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
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	104 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919

Mortgage

Document Number	201801805251
Date	Dec 17, 2018
Instrument	201801805251

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$5,521.00 (+19.17%)	$104,000 (+37.06%) Land $18,890 Building $85,110	$312,000 (+37.06%) Land $56,670 Building $255,330
2022	$4,633.00 Homeowner's exemption	$75,880 Land $14,320 Building $61,560	$227,640 Land $42,960 Building $184,680

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

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.

Wildfire

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.

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 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

104 E Mount Vernon Ave, Effingham, IL 62401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2026: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Mount Vernon Ave

Nearby Streets

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