Effingham County property record for 11123 E Melrose Ave, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,543 sqft · built 1998 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Nov 2015) |
| Tax Bill | $5,678 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-241-040 |
| Primary APN | 11-07-241-040 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,543 sqft Base Area |
| 1st Floor Area | 1,543 sqft |
| Basement Area | 1,543 sqft |
| Unfinished Basement | 1,542 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Lot Area | 25,700 sqft (0.59 acres) |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 11123 E MELROSE AVE |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-7478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 & PT E 41FT LOT 41 RIVERVIEW SUB 3328/28 3159/164 1332/8 |
| Legal Subdivision | RIVERVIEW SUBDIVISION |
| Legal Lot Number | 40-41 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | SUMMIT |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 950200 |
11123 E Melrose Ave is owned and occupied by two individuals who bought it in November 2015.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11123 E MELROSE AVE, EFFINGHAM, IL 62401-7478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF BEECHER CITY |
| Nov 30, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF BEECHER CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2015 · Amount on File |
| Deed Sale | Nov 2, 2015 · Amount on File |
| Deed Document Number | 20151504737 |
| Deed Book / Page | 3159 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 11123 E MELROSE AVE, EFFINGHAM, IL 62401-7478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3568/178 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 3568/178 |
| Instrument | 202020002624 |
| Name | FIRST STATE BANK OF BEECHER CITY |
|---|---|
| Type | Bank |
| Address | BEECHER CITY, IL 62414 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 11123 E MELROSE AVE, EFFINGHAM, IL 62401-7478 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 11123 E MELROSE AVE, EFFINGHAM, IL 62401-7478 |
| Document Number | 3432/077 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 3432/077 |
| Instrument | 201801804983 |
| Name | FIRST STATE BANK OF BEECHER CITY |
|---|---|
| Type | Bank |
| Address | BEECHER CITY, IL 62414 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Dec 15, 2023 |
| Rate | 6% |
|---|
The 2025 property tax bill for 11123 E Melrose Ave was $5,678 with a homeowner's exemption.
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Summit Township |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,678.00 | $113,710 Land $6,370 Building $107,340 | $341,130 Land $19,110 Building $322,020 |
| 2022 | $3,341.00 Homeowner's exemption | $86,620 Land $4,850 Building $81,770 | $259,860 Land $14,550 Building $245,310 |
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.
FEMA maps place 11123 E Melrose Ave in Zone X, an area of minimal flood risk.
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 risk around 11123 E Melrose Ave is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 74 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 |
| GigFire Fixed Wireless | 150 / 130 |
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