11127 E Cambridge Ln, Effingham, IL 62401 Property Records

Effingham County property record for 11127 E Cambridge Ln, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	3,214 sqft · built 2021
Lot Size	2.61 acres (113,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,000 (Sep 2017)
Tax Bill	$12,958 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-134-009`

Property Details

APN / Parcel Number

Primary APN	`11-07-134-009`

Interior

Stories	1 Story
Building Area	3,214 sqft Base Area
1st Floor Area	3,214 sqft
Basement Area	3,214 sqft
Unfinished Basement	3,214 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	113,692 sqft (2.61 acres)
Garage Area	1,570 sqft
Parking Spaces	6 Parking Spaces

Location & Zoning

Street Address	11127 E CAMBRIDGE LN
City	EFFINGHAM
State	IL
Zip	62401-4650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 PRAIRIE VIEW ESTATES 3335/308 2203/266 1674/338
Legal Subdivision	PRAIRIE VIEW ESTATES
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4000
Census Tract	950200

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	2 Individual Names on Record
Mailing Address	11127 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jul 14, 2021	Deed of Trust, Mortgage · Construction Mortgage DIETERICH BANK NA
Sep 22, 2017	Warranty Deed, Transfer BAKERS TITLE, BANKERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	20171704526
Deed Book / Page	3335 / 308
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11127 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4650
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003780/109
Date	May 2, 2022
Book Page	3780/109
Instrument	202222001812

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate
Rate	3.87%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11127 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4650
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401-3113

Mortgage

Document Number	003704/256
Date	Jul 14, 2021
Book Page	3704/256
Instrument	202121003519

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2022

Interest

Rate Type	Fixed Rate
Rate	2.99%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 22, 2017
Property Address	11127 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4650
Document Number	003335/308
Book / Page	3335 / 308
Map Reference	MB 1674 PG 338
Instrument Date	Sep 21, 2017
Instrument	201701704526
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	BAKERS TITLE, BANKERS TITLE

Transaction

Amount	Amount Recorded
Tax	$123.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11135 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4650

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1000 N PARKVIEW ST, EFFINGHAM, IL 62401-3152

Tax Assessment & Valuation

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

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
2025	$12,958.00 (+632.5%)	$256,800 (+64.56%) Land $48,990 Building $207,810	$770,400 (+64.56%) Land $146,970 Building $623,430
2022	$1,769.00 Senior Citizen's exemption	$156,050 Land $37,320 Building $118,730	$468,150 Land $111,960 Building $356,190

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 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 67 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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