125 E Jefferson Ave, Effingham, IL 62401 Property Records

Effingham County property record for 125 E Jefferson Ave, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	1,123 sqft · built 1900
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Dec 2017)
Tax Bill	$1,814 (2024)
Deeds & Mortgages	Oct 2018 Mortgage Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-025-085`

Property Details

APN / Parcel Number

Primary APN	`03-16-025-085`

Interior

Building Area	1,123 sqft Base Area
1st Floor Area	1,123 sqft
Basement Area	1,123 sqft
Unfinished Basement	1,123 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	1,307 sqft (0.03 acres)

Location & Zoning

Street Address	125 E JEFFERSON AVE
City	EFFINGHAM
State	IL
Zip	62401-3457
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	N 73FT OF W 18.17FT SLIP LOT 6 BLK 8 BROUGHTON ADD 3435/142 3357/198 2282/312 1877/338 1370/137 1345/211
Legal Subdivision	BROUGHTON ADDITION
Legal Block	8
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1064
Census Tract	950800

Owner

Source: Effingham County records, as of September 9, 2025

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	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Dec 17, 2018	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 29, 2017	Warranty Deed, Construction Loan · Construction Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Dec 21, 2006 · Amount on Record
Deed Document Number	20175948
Deed Book / Page	3357 / 198
Last Transfer Date	Dec 13, 2018
Transfer Doc	003435/142
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003420/097
Date	Oct 9, 2018
Book Page	3420/097
Instrument	201801804225

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 3, 2038

Interest

Rate Type	Adjustable Rate
Rate	2.73%

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 17, 2018
Property Address	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Document Number	003435/142
Book / Page	3435 / 142
Map Reference	MB 4 PG 89&91
Instrument Date	Dec 13, 2018
Instrument	201801805208
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457

December 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 29, 2017
Property Address	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457
Document Number	003357/198
Book / Page	3357 / 198
Map Reference	MB E PG 500
Instrument Date	Dec 29, 2017
Instrument	201700005948
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$97.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457

Mortgage

Document Number	201700005949
Date	Dec 29, 2017
Instrument	201700005949

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Sep 30, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$1,814.00 (+49.18%)	$26,860 (+19.91%) Land $3,280 Building $23,580	$80,580 (+19.91%) Land $9,840 Building $70,740
2022	$1,216.00	$22,400 Land $2,730 Building $19,670	$67,200 Land $8,190 Building $59,010

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 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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 95% of the US · lower than 70% 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 349 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 · Fiber in parts of the area	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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