107 W Water St, Teutopolis, IL 62467 Property Records

Effingham County property record for 107 W Water St, Teutopolis, IL 62467

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 912 sqft · built 1980
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Jul 2025)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-18-003-091`

Property Details

APN / Parcel Number

Primary APN	`12-18-003-091`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Base Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	107 W WATER ST
City	TEUTOPOLIS
State	IL
Zip	62467-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOT 119 & N 1/2 E 1/2 LOT 120 BLK 19 TEUTOPOLIS 25002694 3843/84 3445/267 1518/261 589/162
Legal Subdivision	TOWN TEUTOPOLIS
Legal Block	19
Legal Lot Number	119-120
Jurisdiction	EFFINGHAM IL
Township / Civil Division	TEUTOPOLIS
Census Block Group	2
Census Block	2027
Census Tract	950100

Owner

107 W Water St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	107 W WATER ST, TEUTOPOLIS, IL 62467-1009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Feb 4, 2019	Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Mar 3, 2023 · Amount on File
Deed Document Number	20252694
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 3, 2023
Property Address	107 W WATER ST, TEUTOPOLIS, IL 62467-1009
Document Number	0003843/84
Book / Page	3843 / 84
Map Reference	MB A PG 242
Instrument Date	Mar 2, 2023
Instrument	202323000697
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 NORTH WATER STREET, TEUTOPOLIS, IL 62467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17408 E 1800TH AVE, TEUTOPOLIS, IL 62467-3224

Mortgage

Document Number	202323000698
Date	Mar 3, 2023
Instrument	202323000698

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	107 W WATER ST, TEUTOPOLIS, IL 62467-1009
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3730/289
Date	Oct 13, 2021
Book Page	3730/289
Instrument	202121005064

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 4, 2019
Property Address	107 W WATER ST, TEUTOPOLIS, IL 62467-1009
Document Number	3445/267
Book / Page	3445 / 267
Instrument Date	Jan 28, 2019
Instrument	201901900429
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 N MAIN ST, 401, TUSCOLA, IL 61953-1226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 NORTH WATER STREET, TEUTOPOLIS, IL 62467

Mortgage

Document Number	201901900430
Date	Feb 4, 2019
Instrument	201901900430

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 107 W Water St was $3,111 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Teutopolis Township
Municipality	Teutopolis Village
Unified School District	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,111.00	$60,310 Land $19,030 Building $41,280	$180,930 Land $57,090 Building $123,840
2022	$744.00 Homeowner's exemption	$45,110 Land $14,240 Building $30,870	$135,330 Land $42,720 Building $92,610

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 107 W Water St in Zone X, an area of minimal flood risk.

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 Policies	7 in force

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 107 W Water St is low, with less than 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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	TEUTOPOLIS serves 2,018 people · EPA ID IL0490450
Water Source	Groundwater
Last State Inspection	Mar 2026
Also Mapped Here	EJ WATER COOPERATIVE
Lead	10 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Wabash Communications.

Nearby Properties on W Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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