1. Home
  2. Illinois
  3. Effingham County
  4. Effingham
  5. E Virginia Ave

106 E Virginia Ave, Effingham, IL 62401 Property Records

Effingham County property record for 106 E Virginia Ave, Effingham, IL 62401

Property Summary

Property TypeSingle Family Home
Details1 bd · 860 sqft · built 1939
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on Record
Last Sale$105,000 (Dec 2012)
Tax Bill$1,824 (2025)
Deeds & MortgagesJan 2017 Mortgage
Nov 2010 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-16-013-085

Property Details

APN / Parcel Number

Primary APN03-16-013-085

Interior

Bedrooms1 Bed
Stories1 Story
Building Area860 sqft Base Area
1st Floor Area860 sqft
Basement Area860 sqft
Unfinished Basement860 sqft

Exterior

Year BuiltBuilt 1939
Effective Year BuiltEffective 1939
Construction TypeMasonry / Concrete Block
Lot Area4,792 sqft (0.11 acres)
Garage Area299 sqft
Parking Spaces1 Parking Space

Location & Zoning

Street Address106 E VIRGINIA AVE
CityEFFINGHAM
StateIL
Zip62401-3307
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 3 BUSHUR'S SECOND VIRGINIA AV SUBD 2904/305 2683/58
Legal SubdivisionBUSHUR'S SECOND VIRGINIA AV SUBDIVISION
Legal Lot Number3
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1005
Census Tract950800

Owner

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 RecordIndividual Name on Record
Mailing Address106 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2017Deed of Trust, Mortgage · Conventional Mortgage
PRAIRIE STATE BANK & TRUST
Nov 22, 2010Warranty Deed, Transfer · USDA Mortgage
USDA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 12, 2012 · Amount on Record
Deed SaleDec 12, 2012 · Amount on Record
Prior SaleNov 22, 2010 · Amount on Record
Deed Document Number20121207061
Deed Book / Page2904 / 305
Record UpdatedOct 29, 2026

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address106 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number3270/078
DateJan 6, 2017
Book Page3270/078
Instrument201701700101
Lender
NamePRAIRIE STATE BANK & TRUST
TypeBank
AddressCHARLESTON, IL 61920
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2047
Interest
Rate4.25%

November 2010: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM IL
Recording DateNov 22, 2010
Property Address106 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
Document Number2683/058
Book / Page2683 / 058
Map ReferenceMB2641 PG85
Instrument DateNov 19, 2010
Instrument201001006137
Transaction TypeTransfer
Record UpdatedAug 5, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$105.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address106 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307

Mortgage

Document Number002683/060
DateNov 22, 2010
Book Page2683/060
Instrument201001006188
Lender
NameUSDA
TypeGovernment Agency
AddressSAINT LOUIS, MO 63166
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term396 Months
DueNov 19, 2043

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,824.00 (+21.12%)$38,330 (+31.9%) Land $7,350 Building $30,980$114,990 (+31.9%) Land $22,050 Building $92,940
2022$1,506.00 Homeowner's exemption$29,060 Land $5,570 Building $23,490$87,180 Land $16,710 Building $70,470

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1993)
Most Recent ClaimJul 1993 · river or lake flooding

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 RiskNot rated
no burnable land 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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 434 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20

May also be available: Wisper ISP.

Nearby Properties on E Virginia Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures