109 W Eiche Ave, Effingham, IL 62401 Property Records

Effingham County property record for 109 W Eiche Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,136 sqft · built 1957
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Feb 2016)
Tax Bill	$2,647 (2022)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-091`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-091`

Interior

Stories	1 Story
Building Area	1,136 sqft Base Area

Exterior

Year Built	Built 1957
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	109 W EICHE AVE
City	EFFINGHAM
State	IL
Zip	62401-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 CARTMELL REPLAT NOT RECORDED AKA W 10FT N 1/2 LOT 7; N 1/2 LOT 8 & E 10FT N 1/2 LOT 9 SPRING GARDEN SUB 3182/129 3111/5
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	5-9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3014
Census Tract	950600

Owner

Source: Effingham County records, as of August 24, 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
Mailing Address	109 W EICHE AVE, EFFINGHAM, IL 62401-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2016 · Amount on Record
Deed Sale	Feb 9, 2016 · Amount on Record
Prior Sale	Apr 27, 2015 · Amount on Record
Deed Document Number	201601600585
Deed Book / Page	3182 / 129
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 W EICHE AVE, EFFINGHAM, IL 62401-2723
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003774/139
Date	Apr 7, 2022
Book Page	3774/139
Instrument	202222001454

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

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	$2,647.00 Homeowner's exemption	$46,110 Land $8,640 Building $37,470	$138,330 Land $25,920 Building $112,410

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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