1108 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 1108 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,104 sqft · built 1962
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$720,000 (Aug 2026)
Tax Bill	$2,763 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-039`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-039`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Base Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1108 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW SW 25002757 24001396 24000060 23004041 3829/320 3315/213 2406/100 2113/248 2091/260 411/349
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3009
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	405 E MARKET AVE, EFFINGHAM, IL 62401-3419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage SCOTT CREDIT UNION
Jan 5, 2024	Intrafamily Transfer, Transfer PREMIER TITLE COMPANY, PREMIER TITLE
Dec 8, 2023	Sheriff's Deed, Foreclosure PREMIER TITLE COMPANY, PREMIER TITLE
Nov 19, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 16, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jul 10, 2017	Affidavit, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Aug 4, 2025 · Amount on Record
Deed Document Number	20263024
Prior Transfer Date	Nov 16, 2023
Prior Transfer Doc	0000004041
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 10, 2026
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Document Number	0000003024
Instrument Date	Jul 31, 2026
Instrument	20263024
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MARKET AVE, EFFINGHAM, IL 62401-3419

Mortgage

Document Number	0000003025,
Date	Aug 10, 2026
Instrument	20263025

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 5, 2024
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Document Number	202424000060
Instrument Date	Jan 3, 2024
Instrument	202424000060
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WEST END AVE STE 760W, 760W, NASHVILLE, TN 37203-1042

December 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 8, 2023
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Document Number	202323004041
Instrument Date	Nov 16, 2023
Instrument	202323004041
Transaction Type	Foreclosure
Record Updated	Jan 2, 2024
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 250009, PLANO, TX 75025-0009

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Transaction Type	Mortgage
Record Updated	Dec 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3429/297
Date	Nov 19, 2018
Book Page	3429/297
Instrument	201801804841

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate	4.75%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Transaction Type	Mortgage
Record Updated	Sep 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701703993
Date	Aug 16, 2017
Book Page	3327/230
Instrument	201701703993

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	Detroit, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

July 2017: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 10, 2017
Property Address	1108 S 3RD ST, EFFINGHAM, IL 62401-4021
Document Number	3315/213
Book / Page	3315 / 213
Instrument Date	Jul 7, 2017
Instrument	201701703123
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,763.00 (-8.14%)	$48,980 (+9.99%) Land $21,480 Building $27,500	$146,940 (+9.99%) Land $64,440 Building $82,500
2024	$3,008.00 (+61.37%)	$44,530 (+19.93%) Land $19,530 Building $25,000	$133,590 (+19.93%) Land $58,590 Building $75,000
2022	$1,864.00 Homeowner's exemption	$37,130 Land $16,280 Building $20,850	$111,390 Land $48,840 Building $62,550

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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