1201 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 1201 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1951
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Company Names on Record
Last Sale	$35,000 (Jun 2017)
Tax Bill	$565 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-022`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-022`

Interior

Building Area	1,200 sqft Base Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,534 sqft (0.15 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	1201 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-4024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 1 VILLAGE OF PARKS GLENN 3741/195 3304/279 2879/111 2301/284 2103/338 1898/277 1134/238
Legal Subdivision	VILLAGE OF PARKS GLENN
Legal Block	1
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3008
Census Tract	950600

Owner

Source: Effingham County records, as of October 12, 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	2 Company Names on Record
Mailing Address	1006 S OAKWOOD ST, EFFINGHAM, IL 62401-3849
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Nov 23, 2021	Intrafamily Transfer, Transfer ATTORNEY
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jun 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Prior Sale	Oct 12, 2012 · Amount on Record
Deed Document Number	20171702413
Deed Book / Page	3304 / 279
Prior Transfer Date	May 31, 2017
Prior Transfer Doc	3304/279
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1201 S 3RD ST, EFFINGHAM, IL 62401-4024
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202424000871
Date	Mar 21, 2024
Instrument	202424000871

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 21, 2044

Interest

Rate Type	Adjustable Rate
Rate	8.04%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 21, 2031
Change Frequency	Annually
Min Rate At Change	6.04%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	13%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 23, 2021
Property Address	1201 S 3RD ST, EFFINGHAM, IL 62401-4024
Document Number	003741/195
Book / Page	3741 / 195
Instrument Date	Nov 22, 2021
Instrument	202121005755
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1005 S PEMBROKE ST, EFFINGHAM, IL 62401-3913

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1201 S 3RD ST, EFFINGHAM, IL 62401-4024
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3507/305
Date	Oct 28, 2019
Book Page	3507/305
Instrument	201901904364

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 24, 2024

Interest

Rate Type	Fixed Rate
Rate	3.71%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 2, 2017
Property Address	1201 S 3RD ST, EFFINGHAM, IL 62401-4024
Document Number	3304/279
Book / Page	3304 / 279
Map Reference	MB 29 PG 172
Instrument Date	May 31, 2017
Instrument	201701702413
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$52.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 W DOUGLAS AVE, 204, EFFINGHAM, IL 62401-2719

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1005 S PEMBROKE ST, EFFINGHAM, IL 62401-3913

Tax Assessment & Valuation

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

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
2025	$565.00 (-8.13%)	$10,020 (+9.99%) Land $9,100 Building $920	$30,060 (+9.99%) Land $27,300 Building $2,760
2024	$615.00 (+21.3%)	$9,110 (+19.87%) Land $8,270 Building $840	$27,330 (+19.87%) Land $24,810 Building $2,520
2022	$507.00	$7,600 Land $6,900 Building $700	$22,800 Land $20,700 Building $2,100

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.

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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	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 444 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
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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