1208 S 5th St, Effingham, IL 62401 Property Records

Effingham County property record for 1208 S 5th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 949 sqft · built 1940
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$59,200 (Jul 2000)
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-049-051`

Property Details

APN / Parcel Number

Primary APN	`03-16-049-051`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	949 sqft Base Area
1st Floor Area	949 sqft
Basement Area	949 sqft
Unfinished Basement	949 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1208 S 5TH ST
City	EFFINGHAM
State	IL
Zip	62401-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 8 KREKE'S TERRACE ADD 1877/52 1557/98 1447/103 1127/275 934/171
Legal Subdivision	KREKE'S TERRACE ADDITION
Legal Block	8
Legal Lot Number	8
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2058
Census Tract	950800

Owner

1208 S 5th St is owned and occupied by an individual who bought it in July 2000.

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 File
Mailing Address	1208 S 5TH ST, EFFINGHAM, IL 62401-2735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jul 12, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2000 · Amount on File
Deed Sale	Jul 27, 2000 · Amount on File
Deed Document Number	20002004175
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 10, 2026
Property Address	1208 S 5TH ST, EFFINGHAM, IL 62401-2735
Document Number	0000001315
Instrument Date	Mar 12, 2026
Instrument	20261315
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 S 5TH ST, EFFINGHAM, IL 62401-2735

Mortgage

Document Number	0000001315,
Date	Apr 10, 2026
Instrument	20261315

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate	6.09%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1208 S 5TH ST, EFFINGHAM, IL 62401-2735
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3479/150
Date	Jul 12, 2019
Book Page	3479/150
Instrument	201901902616

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1208 S 5th St was $1,363 with a homeowner's exemption, down 5.7% from the year before.

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	$1,363.00 (-5.74%) Homeowner's exemption	$30,160 (+10.03%) Land $10,520 Building $19,640	$90,480 (+10.03%) Land $31,560 Building $58,920
2024	$1,446.00	$27,410 Land $9,560 Building $17,850	$82,230 Land $28,680 Building $53,550
2022	$1,091.00 Homeowner's exemption	$22,860 Land $7,970 Building $14,890	$68,580 Land $23,910 Building $44,670

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 1208 S 5th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1208 S 5th St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 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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