10731 E Hilltop Pl, Effingham, IL 62401 Property Records

Effingham County property record for 10731 E Hilltop Pl, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,236 sqft · built 1978
Lot Size	1.65 acres (71,874 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,000 (May 2014)
Tax Bill	$5,714 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11-07-143-003`

Property Details

APN / Parcel Number

Primary APN	`11-07-143-003`

Interior

Bedrooms	1 Bed
Stories	2 Stories
Building Area	1,236 sqft Base Area
1st Floor Area	1,236 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	71,874 sqft (1.65 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10731 E HILLTOP PL
City	EFFINGHAM
State	IL
Zip	62401-7417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 HILLTOP ESTATES SUB 3822/167 3036/315 1740/267 550/18
Legal Subdivision	HILLTOP ESTATES SUBDIVISION
Legal Lot Number	3
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 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10731 E HILLTOP PL, EFFINGHAM, IL 62401-7417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage CONSTITUTION BANK
Nov 7, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Deed Document Number	20141402131
Deed Book / Page	3036 / 315
Last Transfer Date	Nov 3, 2022
Transfer Doc	003822/167
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 8, 2026
Property Address	10731 E HILLTOP PL, EFFINGHAM, IL 62401-7417
Document Number	0000003890
Instrument Date	Sep 29, 2026
Instrument	20263890
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10731 E HILLTOP PL, EFFINGHAM, IL 62401-7417

Mortgage

Document Number	0000003890,
Date	Oct 8, 2026
Instrument	20263890

Lender

Name	CONSTITUTION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 7, 2022
Property Address	10731 E HILLTOP PL, EFFINGHAM, IL 62401-7417
Document Number	003822/167
Book / Page	3822 / 167
Map Reference	PL 30-C MB 11 PG 149
Instrument Date	Nov 3, 2022
Instrument	202222004503
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10731 E HILLTOP PL, EFFINGHAM, IL 62401-7417

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	$5,714.00 (+8.92%) Homeowner's exemption	$114,400 (+1%) Land $10,230 Building $104,170	$343,200 (+1%) Land $30,690 Building $312,510
2024	$5,246.00 (+54.38%)	$104,000 (+32.05%) Land $9,300 Building $94,700	$312,000 (+32.05%) Land $27,900 Building $284,100
2022	$3,398.00 Homeowner's exemption	$78,760 Land $7,800 Building $70,960	$236,280 Land $23,400 Building $212,880

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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