11150 E Cambridge Ln, Effingham, IL 62401 Property Records

Effingham County property record for 11150 E Cambridge Ln, Effingham, IL 62401

Property Summary

Property Type	Residential Vacant Land
Details	1 bd · 2,953 sqft · built 2006
Lot Size	2.16 acres (94,090 sqft)
Owner	Individual Name on Record
Last Sale	$38,500 (Sep 2003)
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-07-134-003`

Property Details

APN / Parcel Number

Primary APN	`11-07-134-003`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,953 sqft Base Area
1st Floor Area	2,953 sqft
Basement Area	2,953 sqft
Unfinished Basement	2,953 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	94,090 sqft (2.16 acres)
Garage Area	1,912 sqft
Parking Spaces	7 Parking Spaces

Location & Zoning

Street Address	11150 E CAMBRIDGE LN
City	EFFINGHAM
State	IL
Zip	62401-4639
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 3 PRAIRIE VIEW ESTATES 3043/132 1961/225 1674/338
Legal Subdivision	PRAIRIE VIEW ESTATES
Legal Lot Number	3
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	Individual Name on Record
Mailing Address	11150 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Construction Mortgage MIDLAND STATES BANK
May 10, 2018	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2003 · Amount on Record
Deed Sale	Sep 29, 2003 · Amount on Record
Deed Document Number	20032038169
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11150 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4639
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11150 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4639

Mortgage

Document Number	202626001131
Date	Mar 30, 2026
Instrument	202626001131

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	1201 NETWORK CENTRE DR, EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jan 27, 2027

Interest

Rate Type	Fixed Rate
Rate	4.75%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11150 E CAMBRIDGE LN, EFFINGHAM, IL 62401-4639
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3382/300
Date	May 10, 2018
Book Page	3382/300
Instrument	201801801744

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Mar 7, 2028

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	Monthly

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	$2,366.00 (-87.49%) Homeowner's exemption	$44,890 (-87.5%) Land $44,890	$134,670 (-87.5%) Land $134,670
2024	$18,907.00 (+35.67%)	$359,170 (+19.34%) Land $40,810 Building $318,360	$1,077,510 (+19.34%) Land $122,430 Building $955,080
2022	$13,936.00 Homeowner's exemption	$300,960 Land $34,190 Building $266,770	$902,880 Land $102,570 Building $800,310

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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