1307 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 1307 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,040 sqft · built 1960
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$1,118 (2022)
Deeds & Mortgages	Dec 2021 Line of Credit May 2010 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-059-017`

Property Details

APN / Parcel Number

Primary APN	`03-16-059-017`

Interior

Stories	1 Story
Building Area	1,040 sqft Base Area

Exterior

Year Built	Built 1960
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Street Address	1307 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-4025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 2 VILLAGE OF PARKS GLENN AND PT VACATED ALLEY 1479/38 1347/8 901/93
Legal Subdivision	VILLAGE OF PARKS GLENN
Legal Block	2
Legal Lot Number	4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3012
Census Tract	950600

Owner

Source: Effingham County records, as of August 24, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
May 3, 2010	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Oct 23, 2008	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Oct 13, 2005	Deed of Trust, Mortgage · Conventional Mortgage E-LOAN INC
May 1, 2009	Deed of Trust, Mortgage · Conventional Mortgage ADVANCED FINANCIAL SERVICES INC
Mar 6, 2026	Executor's Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000147938
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003747/217
Date	Dec 13, 2021
Book Page	3747/217
Instrument	202121006097

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002618/003
Date	May 3, 2010
Book Page	2618/003
Instrument	201001001986

Lender

Name	CROSSROADS BANK
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Min Rate At Change	4%
Max Rate	99.9%

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002450/230
Date	Oct 23, 2008
Book Page	2450/230
Instrument	200800805432

Lender

Name	CROSSROADS BANK
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	99.9%

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002173/114
Date	Oct 13, 2005
Book Page	2173/114
Instrument	0505600

Lender

Name	E-LOAN INC
Type	Lending Institution
Address	PLEASANTON, CA 94588

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2020

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002518/079
Date	May 1, 2009
Book Page	2518/079
Instrument	200900903213

Lender

Name	ADVANCED FINANCIAL SERVICES INC
Type	Subprime Lender
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2024

March 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 6, 2026
Property Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025
Document Number	202626000828
Map Reference	MB 29 PG 172
Instrument Date	Feb 13, 2026
Instrument	202626000828
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$122.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 S 3RD ST, EFFINGHAM, IL 62401-4025

Mortgage

Document Number	202626000829
Date	Mar 6, 2026
Instrument	202626000829

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%

Mortgage

Document Number	202626000830
Date	Mar 6, 2026
Instrument	202626000830

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	1 MACARTHUR PL STE 800, SANTA ANA, CA 92707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,118.00 Homeowner's exemption Disabled Person's exemption	$25,450 Land $7,580 Building $17,870	$76,350 Land $22,740 Building $53,610

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 · 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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