108 E Virginia Ave, Effingham, IL 62401 Property Records

Effingham County property record for 108 E Virginia Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,400 sqft · built 1936
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Aug 2020)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Apr 2015 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-013-014`

Property Details

APN / Parcel Number

Primary APN	`03-16-013-014`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Base Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Construction Type	Masonry / Concrete Block
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	108 E VIRGINIA AVE
City	EFFINGHAM
State	IL
Zip	62401-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60FT OFF W SIDE OF LOT 7 BLK 12 ALEXANDER & LITTLE NORTH ADDN EXCEPT N 50FT & E 1/2 VACATED ALLEY 3600/141 3110/14 3100/69 57
Legal Subdivision	ALEXANDER & LITTLE NORTH ADDITION
Legal Block	12
Legal Lot Number	7
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1005
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	2 Individual Names on Record
Mailing Address	108 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Apr 17, 2015	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Apr 17, 2015 · Amount on Record
Deed Document Number	202020004467
Deed Book / Page	3600 / 141
Transfer Doc	3100/069
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 14, 2020
Property Address	108 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
Document Number	3600/141
Book / Page	3600 / 141
Map Reference	MB K PG 179
Instrument Date	Aug 12, 2020
Instrument	202020004467
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193.50
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	108 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307

Mortgage

Document Number	202020004468
Date	Aug 14, 2020
Instrument	202020004468

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 17, 2015
Property Address	108 E VIRGINIA AVE, EFFINGHAM, IL 62401-3307
Document Number	003110/014
Book / Page	3110 / 014
Map Reference	MB K PG 179
Instrument Date	Apr 17, 2015
Instrument	201501501423
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	711 S 1ST ST, EFFINGHAM, IL 62401-3867

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1105 HOLLY DR, EFFINGHAM, IL 62401-1604

Mortgage

Document Number	201501501424
Date	Apr 17, 2015
Instrument	201501501424

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Apr 16, 2048

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	$2,276.00 (-6.72%) Homeowner's exemption	$46,350 (+10.02%) Land $7,660 Building $38,690	$139,050 (+10.02%) Land $22,980 Building $116,070
2024	$2,440.00 (+27.55%) Homeowner's exemption	$42,130 (+19.89%) Land $6,960 Building $35,170	$126,390 (+19.89%) Land $20,880 Building $105,510
2022	$1,913.00 Homeowner's exemption	$35,140 Land $5,810 Building $29,330	$105,420 Land $17,430 Building $87,990

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 · 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 Claims	1 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 434 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
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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