12055 E 1975th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 12055 E 1975th Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,479 sqft · built 2014
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Jun 2014)
Tax Bill	$3,953 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-27-030-043`

Property Details

APN / Parcel Number

Primary APN	`03-27-030-043`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,479 sqft Base Area
1st Floor Area	1,479 sqft
Basement Area	1,479 sqft
Unfinished Basement	1,479 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Frame
Lot Area	218,236 sqft (5.01 acres)
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12055 E 1975TH AVE
City	EFFINGHAM
State	IL
Zip	62401-6827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 367FT OF W 18AC S 1/2 NW AKA TRACT 1 AS RECORDED ON POS 2647/252 3124/54 3038/339 1993/171 1993/168 879/97
Legal Tract	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1059
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	12055 E 1975TH AVE, EFFINGHAM, IL 62401-6827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK/KS CITY
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2014 · Amount on Record
Deed Sale	Jun 3, 2014 · Amount on Record
Deed Document Number	20141402262
Deed Book / Page	3038 / 339
Last Transfer Date	Jun 11, 2015
Transfer Doc	3124/054
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 9, 2026
Property Address	12055 E 1975TH AVE, EFFINGHAM, IL 62401-6827
Document Number	0000002102
Instrument Date	Jun 3, 2026
Instrument	20262102
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12055 E 1975TH AVE, EFFINGHAM, IL 62401-6827

Mortgage

Document Number	0000002102,
Date	Jun 9, 2026
Instrument	20262102

Lender

Name	FIRST STATE BANK/KS CITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	8.63%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	12055 E 1975TH AVE, EFFINGHAM, IL 62401-6827
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003739/235
Date	Nov 15, 2021
Book Page	3739/235
Instrument	202121005630

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.25%

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
Unified School District	Beecher City Community Unit School District 20 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,953.00 (+4.16%) Homeowner's exemption	$84,710 (+1%) Land $8,240 Building $76,470	$254,130 (+1%) Land $24,720 Building $229,410
2024	$3,795.00 (+20.09%)	$77,010 (+19.9%) Land $7,490 Building $69,520	$231,030 (+19.9%) Land $22,470 Building $208,560
2022	$3,160.00 Homeowner's exemption	$64,230 Land $6,250 Building $57,980	$192,690 Land $18,750 Building $173,940

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

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000

May also be available: GigFire.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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