10748 E Hilltop Pl, Effingham, IL 62401 Property Records

Effingham County property record for 10748 E Hilltop Pl, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,780 sqft · built 1980
Lot Size	2.47 acres (107,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$855,000 (Aug 2024)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Aug 2017 Construction Loan Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-143-004`

Property Details

APN / Parcel Number

Primary APN	`11-07-143-004`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,780 sqft Base Area
1st Floor Area	1,780 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	107,593 sqft (2.47 acres)
Garage Area	2,072 sqft
Parking Spaces	7 Parking Spaces

Location & Zoning

Street Address	10748 E HILLTOP PL
City	EFFINGHAM
State	IL
Zip	62401-7421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 HILLTOP ESTATES SUB 24002815 3316/274 884/288
Legal Subdivision	HILLTOP ESTATES SUBDIVISION
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2017	Deed of Trust, Mortgage · Construction Mortgage DIETERICH BANK NA
Aug 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jul 14, 2017	Warranty Deed, Construction Loan · Construction Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Document Number	20242815
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003325/209
Date	Aug 9, 2017
Book Page	3325/209
Instrument	201701703861

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jul 27, 2018

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003407/214
Date	Aug 21, 2018
Book Page	3407/214
Instrument	201801803401

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.37%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003521/244
Date	Dec 20, 2019
Book Page	3521/244
Instrument	201901905254

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003715/288
Date	Aug 18, 2021
Book Page	3715/288
Instrument	202121004167

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 14, 2017
Property Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421
Document Number	003316/274
Book / Page	3316 / 274
Map Reference	MB 11 PG 149
Instrument Date	Jul 12, 2017
Instrument	201701703225
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$191.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10748 E HILLTOP PL, EFFINGHAM, IL 62401-7421

Mortgage

Document Number	201701703226
Date	Jul 14, 2017
Instrument	201701703226

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2018

Interest

Rate Type	Fixed Rate
Rate	2.74%

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	$2,888.00 (-14.61%)	$62,780 (+31.31%) Land $13,270 Building $49,510	$188,340 (+31.31%) Land $39,810 Building $148,530
2022	$3,382.00 Homeowner's exemption	$47,810 Land $10,100 Building $37,710	$143,430 Land $30,300 Building $113,130

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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