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109 N Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 109 N Cherry St, Effingham, IL 62401

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 796 sqft · built 1907
Lot Size0.15 acres (6,534 sqft)
OwnerTrust Name on File
Last Sale$56,000 (Jun 2021)
Tax Bill$1,402 (2025)
Deeds & MortgagesSep 2026 Transfer
Jun 2021 Sale
Flood ZoneZone X (minimal risk)
APN03-16-022-052

Property Details

APN / Parcel Number

Primary APN03-16-022-052

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area796 sqft Base Area
1st Floor Area796 sqft
Basement Area796 sqft
Unfinished Basement796 sqft

Exterior

Year BuiltBuilt 1907
Effective Year BuiltEffective 1907
Construction TypeFrame
Roof MaterialAsphalt
Lot Area6,534 sqft (0.15 acres)
Garage Area192 sqft

Location & Zoning

Street Address109 N CHERRY ST
CityEFFINGHAM
StateIL
Zip62401-2013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 33 WOODS TERRACE 3698/195 2583/102 1517/34 1036/8
Legal SubdivisionSURVEYOR'S ADD
Legal Block32
Legal Lot Number33
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1045
Census Tract950800

Owner

109 N Cherry St is held in a trust since July 2026.

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

Owner of RecordTrust Name on File
Mailing Address8705 E US HIGHWAY 40, EFFINGHAM, IL 62401-7211
Owner TypeCompany
VestingTrust, Family Trust

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

Deeds, Mortgages & Sale History

DateDocument
Sep 9, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 24, 2021Administrator's Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 24, 2021 · Amount on File
Deed SaleJun 24, 2021 · Amount on File
Prior SaleDec 2, 2009 · Amount on File
Deed Document Number202121003155
Deed Book / Page3698 / 195
Last Transfer DateJul 30, 2026
Transfer Doc0000003442
Record UpdatedOct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionEFFINGHAM IL
Recording DateSep 9, 2026
Property Address109 N CHERRY ST, EFFINGHAM, IL 62401-2013
Document Number0000003442
Instrument DateJul 30, 2026
Instrument20263442
Transaction TypeTransfer
Record UpdatedSep 24, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address8705 E US HIGHWAY 40, EFFINGHAM, IL 62401-7211

June 2021: Administrator's Deed, Transfer

Document TypeAdministrator's Deed
JurisdictionEFFINGHAM IL
Recording DateJun 24, 2021
Property Address109 N CHERRY ST, EFFINGHAM, IL 62401-2013
Document Number3698/195
Book / Page3698 / 195
Instrument DateJun 19, 2021
Instrument202121003155
Transaction TypeTransfer
Record UpdatedJul 21, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$84.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address8705 E US HIGHWAY 40, EFFINGHAM, IL 62401-7211

Tax Assessment & Valuation

The 2025 property tax bill for 109 N Cherry St was $1,402.

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

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,402.00$24,860 Land $8,000 Building $16,860$74,580 Land $24,000 Building $50,580
2022$1,096.00$18,850 Land $6,060 Building $12,790$56,550 Land $18,180 Building $38,370

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

FEMA maps place 109 N Cherry St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1993)
Most Recent ClaimJul 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

The area around 109 N Cherry St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 394 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
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

May also be available: AT&T, Wabash Communications, Wisper ISP.

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