105 Austin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 105 Austin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,240 sqft · built 1964
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Tax Bill	$1,205 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-056`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-056`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Base Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	105 AUSTIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 47 SPRING GARDEN SUB 1490/88 1023/2
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	47
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3017
Census Tract	950600

Owner

105 Austin Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	105 AUSTIN AVE, EFFINGHAM, IL 62401-2703
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU
Jan 26, 2017	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	105 AUSTIN AVE, EFFINGHAM, IL 62401-2703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3632/149
Date	Nov 19, 2020
Book Page	3632/149
Instrument	202020006418

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	105 AUSTIN AVE, EFFINGHAM, IL 62401-2703
Transaction Type	Mortgage
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701700407
Date	Jan 26, 2017
Book Page	3274/293
Instrument	201701700407

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 25, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 105 Austin Ave was $1,205 with exemptions applied.

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	$1,205.00	$47,590 Land $16,250 Building $31,340	$142,770 Land $48,750 Building $94,020
2022	$1,830.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$36,080 Land $12,320 Building $23,760	$108,240 Land $36,960 Building $71,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 105 Austin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 105 Austin Ave is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 126 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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