1204 Cliffview Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1204 Cliffview Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,054 sqft · built 2016
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jan 2020)
Tax Bill	$5,420 (2025)
Deeds & Mortgages	Jan 2020 Sale Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-181-015`

Property Details

APN / Parcel Number

Primary APN	`03-11-181-015`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,054 sqft Base Area
1st Floor Area	2,054 sqft
Basement Area	2,054 sqft
Unfinished Basement	2,054 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	25,700 sqft (0.59 acres)
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1204 CLIFFVIEW DR
City	EFFINGHAM
State	IL
Zip	62401-5229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 LAKESIDE HILLS 3524/319 3270/310 3204/3
Legal Subdivision	LAKESIDE HILLS SUBDIVISION
Legal Lot Number	15
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1025
Census Tract	950700

Owner

1204 Cliffview Dr is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1204 CLIFFVIEW DR, EFFINGHAM, IL 62401-5229
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2020	Warranty Deed, Transfer CITYWIDE TITLE CORPORATION
Jan 11, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on File
Deed Sale	Jan 3, 2020 · Amount on File
Prior Sale	Jan 11, 2017 · Amount on File
Deed Document Number	202020000058
Deed Book / Page	3524 / 319
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 3, 2020
Property Address	1204 CLIFFVIEW DR, EFFINGHAM, IL 62401-5229
Document Number	3524/319
Book / Page	3524 / 319
Map Reference	MB 1397 PG 149
Instrument Date	Dec 20, 2019
Instrument	202020000058
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1204 CLIFFVIEW DR, EFFINGHAM, IL 62401-5229

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 11, 2017
Property Address	1204 CLIFFVIEW DR, EFFINGHAM, IL 62401-5229
Document Number	3270/310
Book / Page	3270 / 310
Map Reference	MB 1397 PG 149
Instrument Date	Jan 9, 2017
Instrument	201701700143
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$539.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1204 CLIFFVIEW DR, EFFINGHAM, IL 62401-5229

Mortgage

Document Number	201701700144
Date	Jan 11, 2017
Instrument	201701700144

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1204 Cliffview Dr was $5,420 with exemptions applied.

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	$5,420.00	$107,210 Land $18,160 Building $89,050	$321,630 Land $54,480 Building $267,150
2022	$4,996.00 Homeowner's exemption	$81,280 Land $13,770 Building $67,510	$243,840 Land $41,310 Building $202,530

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

FEMA maps place 1204 Cliffview Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2000 · 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

Wildfire risk around 1204 Cliffview Dr is low, with less than 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 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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