10710 E Hilltop Ln, Effingham, IL 62401 Property Records

Effingham County property record for 10710 E Hilltop Ln, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,346 sqft · built 1995
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Sep 2022)
Tax Bill	$3,411 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-143-012`

Property Details

APN / Parcel Number

Primary APN	`11-07-143-012`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,347 sqft Base Area
1st Floor Area	1,347 sqft
Basement Area	1,347 sqft
Unfinished Basement	1,346 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10710 E HILLTOP LN
City	EFFINGHAM
State	IL
Zip	62401-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 HILLTOP ESTATES SUB 3808/199 2590/19 1161/324 822/301 828/342
Legal Subdivision	HILLTOP ESTATES SUBDIVISION
Legal Lot Number	12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4021
Census Tract	950200

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	10710 E HILLTOP LN, EFFINGHAM, IL 62401-8005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Sep 1, 2022	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Dec 30, 2009 · Amount on Record
Deed Document Number	20223631
Deed Book / Page	3808 / 199
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10710 E HILLTOP LN, EFFINGHAM, IL 62401-8005
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202525003791
Date	Oct 22, 2025
Instrument	202525003791

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 23, 2035

Interest

Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 1, 2022
Property Address	10710 E HILLTOP LN, EFFINGHAM, IL 62401-8005
Document Number	003808/199
Book / Page	3808 / 199
Map Reference	PL 30-C
Instrument Date	Aug 29, 2022
Instrument	202222003631
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10710 E HILLTOP LN, EFFINGHAM, IL 62401-8005

Mortgage

Document Number	202222003632
Date	Sep 1, 2022
Instrument	202222003632

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10710 E HILLTOP LN, EFFINGHAM, IL 62401-8005
Transaction Type	Mortgage
Record Updated	Sep 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701704120
Date	Aug 24, 2017
Book Page	3329/276
Instrument	201701704120

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	Effingham, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,411.00 (+19.94%)	$70,700 (+5.41%) Land $5,050 Building $65,650	$212,100 (+5.41%) Land $15,150 Building $196,950
2022	$2,844.00 Homeowner's exemption	$67,070 Land $3,840 Building $63,230	$201,210 Land $11,520 Building $189,690

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

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 60 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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