10963 E 1260th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 10963 E 1260th Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,652 sqft · built 1984
Lot Size	3.11 acres (135,907 sqft)
Owner	Individual Name on Record
Last Sale	$262,500 (Oct 2025)
Tax Bill	$3,842 (2024)
Deeds & Mortgages	Mar 2025 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-035-060`

Property Details

APN / Parcel Number

Primary APN	`11-07-035-060`

Interior

Stories	1 Story
Building Area	1,652 sqft Base Area
Basement Area	1,652 sqft

Exterior

Year Built	Built 1984
Construction Type	Frame
Lot Area	135,907 sqft (3.11 acres)
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	10963 E 1260TH AVE
City	EFFINGHAM
State	IL
Zip	62401-6315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 WERNSING HILL SUB 2847/133 738/16
Legal Subdivision	WERNSING HILL SUBDIVISION
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3059
Census Tract	950800

Owner

Source: Effingham County records, as of November 6, 2025

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	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2025	Deed of Trust, Mortgage · Commercial Mortgage DIETERICH BANK NA
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Jul 13, 2012	Warranty Deed, Transfer THE FIRST NATIONAL BANK OF DIETERICH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Jul 13, 2012 · Amount on Record
Deed Document Number	202525003796
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315

Mortgage

Document Number	202525001028
Date	Mar 31, 2025
Instrument	202525001028

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 31, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 22, 2025
Property Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315
Document Number	202525003796
Map Reference	PL 61-B MB 13 PG 1
Instrument Date	Oct 20, 2025
Instrument	202525003796
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315

Mortgage

Document Number	202525003797
Date	Oct 22, 2025
Instrument	202525003797

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	10.6%

July 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 13, 2012
Property Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315
Document Number	2847/133
Book / Page	2847 / 133
Map Reference	MB13 PG1
Instrument Date	Jul 13, 2012
Instrument	201201203501
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10971 E 1260TH AVE, 10971, EFFINGHAM, IL 62401-6315

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10963 E 1260TH AVE, EFFINGHAM, IL 62401-6315

Mortgage

Document Number	002847/136
Date	Jul 13, 2012
Book Page	2847/136
Instrument	201201203502

Lender

Name	THE FIRST NATIONAL BANK OF DIETERICH
Address	EFFINGHAM, IL 62401

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Jul 13, 2019

Interest

Rate	3.99%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,842.00 (+39.51%) Homeowner's exemption	$77,780 (+19.33%) Land $5,270 Building $72,510	$233,340 (+19.33%) Land $15,810 Building $217,530
2022	$2,754.00 Homeowner's exemption	$65,180 Land $4,420 Building $60,760	$195,540 Land $13,260 Building $182,280

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

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
KNR Wireless Fixed Wireless	100 / 10
Fidium Fiber DSL	60 / 5

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

Nearby Properties on E 1260th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures