106 W Eiche Ave, Effingham, IL 62401 Property Records

Effingham County property record for 106 W Eiche Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,296 sqft · built 1954
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Tax Bill	$1,891 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2007 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-038`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-038`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Base Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	106 W EICHE AVE
City	EFFINGHAM
State	IL
Zip	62401-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 BLK 2 BURKE'S ADD 2449/38 2205/21 2009/350 987/11
Legal Subdivision	BURKE'S ADDITION
Legal Block	2
Legal Lot Number	24
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2063
Census Tract	950800

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	106 W EICHE AVE, EFFINGHAM, IL 62401-2722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 4, 2007	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANKS OF SHELBY COUNTY
Oct 17, 2008	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2008
Deed Sale	Oct 17, 2008
Deed Document Number	2008805323
Deed Book / Page	2449 / 38
Prior Transfer Date	Jan 23, 2006
Prior Transfer Doc	2205/021
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	106 W EICHE AVE, EFFINGHAM, IL 62401-2722
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 W EICHE AVE, EFFINGHAM, IL 62401-2722

Mortgage

Document Number	202626000778
Date	Mar 4, 2026
Instrument	202626000778

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2056

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	106 W EICHE AVE, EFFINGHAM, IL 62401-2722
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002314/111
Date	May 4, 2007
Book Page	2314/111
Instrument	0702257

Lender

Name	COMMUNITY BANKS OF SHELBY COUNTY
Address	COWDEN, IL 62422

Agreement

Type	Line of Credit
Term	5 Months
Due	Oct 24, 2007

October 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 17, 2008
Property Address	106 W EICHE AVE, EFFINGHAM, IL 62401-2722
Document Number	002449/038
Book / Page	2449 / 038
Map Reference	PL1 PG35-37
Instrument Date	Oct 16, 2008
Instrument	200800805323
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Not Readable on Document
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 W EICHE AVE, EFFINGHAM, IL 62401-2722

Mortgage

Document Number	200800805324
Date	Oct 17, 2008
Instrument	200800805324

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Oct 16, 2041

Mortgage

Document Number	002449/046
Date	Oct 17, 2008
Book Page	2449/046
Instrument	200800805325

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 16, 2018

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	$1,891.00 (-6.48%) Homeowner's exemption	$39,520 (+9.99%) Land $10,920 Building $28,600	$118,560 (+9.99%) Land $32,760 Building $85,800
2024	$2,022.00 (+28.95%) Homeowner's exemption	$35,930 (+19.89%) Land $9,930 Building $26,000	$107,790 (+19.89%) Land $29,790 Building $78,000
2022	$1,568.00 Homeowner's exemption	$29,970 Land $8,280 Building $21,690	$89,910 Land $24,840 Building $65,070

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

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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