11895 E Fayette Rd, Effingham, IL 62401 Property Records

Effingham County property record for 11895 E Fayette Rd, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,525 sqft · built 1997
Lot Size	9.14 acres (398,138 sqft)
Owner	Individual Name on Record
Tax Bill	$6,777 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-025-039`

Property Details

APN / Parcel Number

Primary APN	`11-07-025-039`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,525 sqft Base Area
1st Floor Area	1,525 sqft
Basement Area	1,525 sqft
Unfinished Basement	1,525 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	398,138 sqft (9.14 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pole Barn	4,000 sqft

Location & Zoning

Street Address	11895 E FAYETTE RD
City	EFFINGHAM
State	IL
Zip	62401-4325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NE 1280/262
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4033
Census Tract	950800

Owner

Source: Effingham County records, as of October 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	11895 E FAYETTE RD, EFFINGHAM, IL 62401-4325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Jan 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11895 E FAYETTE RD, EFFINGHAM, IL 62401-4325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3427/294
Date	Nov 9, 2018
Book Page	3427/294
Instrument	201801804710

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	1.01%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11895 E FAYETTE RD, EFFINGHAM, IL 62401-4325
Transaction Type	Mortgage
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701700426
Date	Jan 27, 2017
Book Page	3275/025
Instrument	201701700426

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

Interest

Rate	3.25%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11895 E FAYETTE RD, EFFINGHAM, IL 62401-4325
Transaction Type	Mortgage
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701700468
Date	Jan 30, 2017
Book Page	3275/238
Instrument	201701700468

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Feb 15, 2032

Interest

Rate Type	Adjustable Rate
Rate	4%
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	$6,777.00 (+49.77%)	$134,560 (+31.27%) Land $13,430 Building $121,130	$403,680 (+31.27%) Land $40,290 Building $363,390
2022	$4,525.00 Homeowner's exemption	$102,510 Land $10,230 Building $92,280	$307,530 Land $30,690 Building $276,840

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	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 24 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

May also be available: T-Mobile, Wisper ISP.

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