109 E Jefferson Ave, Effingham, IL 62401 Property Records

Effingham County property record for 109 E Jefferson Ave, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	1,222 sqft
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Tax Bill	$1,283 (2022)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-025-043`

Property Details

APN / Parcel Number

Primary APN	`03-16-025-043`

Interior

Building Area	1,222 sqft Base Area

Exterior

Lot Area	1,742 sqft (0.039 acres)

Location & Zoning

Street Address	109 E JEFFERSON AVE
City	EFFINGHAM
State	IL
Zip	62401-3457
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	W 14FT LOT 11 BLK 8 BROUGHTON 2699/329 2673/88 1437/77 1370/99 1010/330 815/115
Legal Block	8
Legal Lot Number	11
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1064
Census Tract	950800

Owner

Source: Effingham County records, as of August 18, 2023

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
Co-owner	Co-owner on Record
Mailing Address	10223 N 2000TH ST, DIETERICH, IL 62424-2149
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NEIGHBOR BANK NA
Jan 26, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NEIGHBOR BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 11, 2011
Transfer Doc	2699/329
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003794/45
Date	Jun 28, 2022
Book Page	3794/45
Instrument	202222002684

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003757/153
Date	Jan 26, 2022
Book Page	3757/153
Instrument	202222000389

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,283.00	$19,190 Land $3,430 Building $15,760	$57,570 Land $10,290 Building $47,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 95% of the US · lower than 70% 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	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 349 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 · Fiber in parts of the area	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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