109 E Elm St, Dieterich, IL 62424 Property Records

Effingham County property record for 109 E Elm St, Dieterich, IL 62424

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,178 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jun 2026)
Tax Bill	$1,952 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-20-010-015`

Property Details

APN / Parcel Number

Primary APN	`02-20-010-015`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,178 sqft Base Area
1st Floor Area	1,178 sqft
Basement Area	330 sqft
Unfinished Basement	330 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	109 E ELM ST
City	DIETERICH
State	IL
Zip	62424-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 2 DETERS ADD 3398/298 3292/205 804/319 667/97
Legal Subdivision	DETERS ADDITION
Legal Block	2
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	BISHOP
Census Block Group	1
Census Block	1070
Census Tract	950500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2562 N BANCROFT ST, INDIANAPOLIS, IN 46218-3133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jun 2, 2026	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 12, 2017	Warranty Deed, Transfer · Line of Credit TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	20262008
Prior Transfer Date	Jun 1, 2026
Prior Transfer Doc	0000002008
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 E ELM ST, DIETERICH, IL 62424-1005
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202525004576
Date	Dec 17, 2025
Instrument	202525004576

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	Jan 23, 2036

Interest

Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 2, 2026
Property Address	109 E ELM ST, DIETERICH, IL 62424-1005
Document Number	0000002008
Instrument Date	Jun 1, 2026
Instrument	20262008
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2562 N BANCROFT ST, INDIANAPOLIS, IN 46218-3133

Mortgage

Document Number	0000002009,
Date	Jun 2, 2026
Instrument	20262009

Lender

Name	FIFTH THIRD BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	5.63%
Max Rate	-1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 11, 2018
Property Address	109 E ELM ST, DIETERICH, IL 62424-1005
Document Number	003398/298
Book / Page	3398 / 298
Map Reference	PL 29 PG 178
Instrument Date	Jul 10, 2018
Instrument	201801802811
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 E ELM ST, DIETERICH, IL 62424-1005
Investor	Possibly a Property Investor

Mortgage

Document Number	201801802812
Date	Jul 11, 2018
Instrument	201801802812

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2033

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 12, 2017
Property Address	109 E ELM ST, DIETERICH, IL 62424-1005
Document Number	003292/205
Book / Page	3292 / 205
Map Reference	MB 29 PG 178
Instrument Date	Apr 11, 2017
Instrument	201701701629
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 E ELM ST, DIETERICH, IL 62424-1005

Mortgage

Document Number	201701701630
Date	Apr 12, 2017
Instrument	201701701630

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Apr 15, 2024

Interest

Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Bishop Township
Municipality	Dieterich Village
Unified School District	Dieterich Community Unit School District 30 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,952.00 (+9.79%) Homeowner's exemption	$32,880 (+1%) Land $2,590 Building $30,290	$98,640 (+1%) Land $7,770 Building $90,870
2024	$1,778.00 (+54.34%)	$29,890 (+21.55%) Land $2,350 Building $27,540	$89,670 (+21.55%) Land $7,050 Building $82,620
2022	$1,152.00 Homeowner's exemption	$24,590 Land $1,940 Building $22,650	$73,770 Land $5,820 Building $67,950

Assessed value is set for property tax purposes, not a market price estimate; it is 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 97% of the US · lower than 79% 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	DIETERICH serves 900 people · EPA ID IL0490150
Water Source	Purchased groundwater from EJ WATER COOPERATIVE
Last State Inspection	Jul 2025
Lead	Under 1 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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