111 N Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 111 N Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 728 sqft · built 1917
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2023)
Tax Bill	$1,488 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-022-051`

Property Details

APN / Parcel Number

Primary APN	`03-16-022-051`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	728 sqft Base Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	111 N CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 WOODS TERRACE 23003764 3211/340 3094/6 2466/6 2163/340 2134/122 1587/161 911/328
Legal Subdivision	SURVEYOR'S ADD
Legal Block	32
Legal Lot Number	32
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1045
Census Tract	950800

Owner

Source: Effingham County records, as of September 9, 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	508 N CLEVELAND ST, EFFINGHAM, IL 62401-3311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Jun 1, 2016 · Amount on Record
Deed Document Number	20233764
Prior Transfer Date	Dec 22, 2008
Prior Transfer Doc	002466/006
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 14, 2023
Property Address	111 N CHERRY ST, EFFINGHAM, IL 62401-2013
Document Number	202323003764
Map Reference	MB 1 PG 16
Instrument Date	Nov 13, 2023
Instrument	202323003764
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1405 HICKORY HILL DR, EFFINGHAM, IL 62401-1770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 N CLEVELAND ST, EFFINGHAM, IL 62401-3311

Mortgage

Document Number	202323003765
Date	Nov 14, 2023
Instrument	202323003765

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 13, 2043

Interest

Rate	4.72%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$1,488.00 (-4.92%)	$28,040 (+19.93%) Land $7,270 Building $20,770	$84,120 (+19.93%) Land $21,810 Building $62,310
2022	$1,565.00	$23,380 Land $6,060 Building $17,320	$70,140 Land $18,180 Building $51,960

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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	Not rated no burnable land within 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

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

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