11050 E 1260th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 11050 E 1260th Ave, Effingham, IL 62401

Property Summary

Property Type	Rural Home
Details	2,123 sqft · built 2004
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Tax Bill	$4,528 (2022)
Deeds & Mortgages	Dec 2022 Second Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`11-07-036-055`

Property Details

APN / Parcel Number

Primary APN	`11-07-036-055`

Interior

Stories	1 Story
Building Area	2,123 sqft Base Area
Basement Area	2,123 sqft

Exterior

Year Built	Built 2004
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	11050 E 1260TH AVE
City	EFFINGHAM
State	IL
Zip	62401-6314
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	N 1/2 N 1/2 NW SW 2006/123 2003/243 620/192
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3059
Census Tract	950800

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
Co-owner	Co-owner on Record
Mailing Address	11050 E 1260TH AVE, EFFINGHAM, IL 62401-6314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jul 12, 2017	Deed of Trust, Mortgage · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0002006123
Record Updated	Jun 7, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11050 E 1260TH AVE, EFFINGHAM, IL 62401-6314
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003829/87
Date	Dec 6, 2022
Book Page	3829/87
Instrument	202222004946

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 23, 2052

Interest

Rate Type	Fixed Rate
Rate	9.24%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11050 E 1260TH AVE, EFFINGHAM, IL 62401-6314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3316/031
Date	Jul 12, 2017
Book Page	3316/031
Instrument	201701703157

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11050 E 1260TH AVE, EFFINGHAM, IL 62401-6314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRAVELERS TITLE LLC, TRAVELERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3487/070
Date	Aug 9, 2019
Book Page	3487/070
Instrument	201901903079

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11050 E 1260TH AVE, EFFINGHAM, IL 62401-6314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3634/147
Date	Nov 30, 2020
Book Page	3634/147
Instrument	202020006538

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

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

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
2022	$4,528.00 Homeowner's exemption	$103,280 Land $4,500 Building $98,780	$309,840 Land $13,500 Building $296,340

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

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	0.01% 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.

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