1107 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 1107 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,380 sqft · built 1955
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$138,500 (Jan 2023)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-023`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-023`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Base Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1107 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-4022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 1 VILLAGE OF PARKS GLENN 3837/1 3369/73 2916/190 2895/6 2853/338 2455/350 2138/240 2138/237 1587/197 1586/131 906/2
Legal Subdivision	VILLAGE OF PARKS GLENN
Legal Block	1
Legal Lot Number	5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3008
Census Tract	950600

Owner

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

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	1107 S 3RD ST, EFFINGHAM, IL 62401-4022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Warranty Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 8, 2018	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2023 · Amount on Record
Deed Sale	Jan 24, 2023 · Amount on Record
Prior Sale	Mar 8, 2018 · Amount on Record
Deed Document Number	2023255
Deed Book / Page	3837 / 1
Prior Transfer Date	Jul 19, 2012
Prior Transfer Doc	002853/338
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 24, 2023
Property Address	1107 S 3RD ST, EFFINGHAM, IL 62401-4022
Document Number	00003837/1
Book / Page	3837 / 1
Map Reference	PL 29 PG 172
Instrument Date	Jan 19, 2023
Instrument	202323000255
Transaction Type	Transfer
Record Updated	Feb 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1107 S 3RD ST, EFFINGHAM, IL 62401-4022

Mortgage

Document Number	202323000256
Date	Jan 24, 2023
Instrument	202323000256

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1107 S 3RD ST, EFFINGHAM, IL 62401-4022
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003695/97
Date	Jun 11, 2021
Book Page	3695/97
Instrument	202121002935

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jun 1, 2048

Interest

Rate	3.25%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 8, 2018
Property Address	1107 S 3RD ST, EFFINGHAM, IL 62401-4022
Document Number	003369/073
Book / Page	3369 / 073
Map Reference	MB 29 PG 172
Instrument Date	Mar 7, 2018
Instrument	201801800786
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1107 S 3RD ST, EFFINGHAM, IL 62401-4022

Mortgage

Document Number	201801800787
Date	Mar 8, 2018
Instrument	201801800787

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

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

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
2025	$1,704.00 (-6.22%) Homeowner's exemption	$36,210 (+10.03%) Land $9,850 Building $26,360	$108,630 (+10.03%) Land $29,550 Building $79,080
2024	$1,817.00 (+29.88%)	$32,910 (+19.89%) Land $8,950 Building $23,960	$98,730 (+19.89%) Land $26,850 Building $71,880
2022	$1,399.00 Homeowner's exemption	$27,450 Land $7,470 Building $19,980	$82,350 Land $22,410 Building $59,940

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	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	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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