1408 Indian Oak Ln, Effingham, IL 62401 Property Records

Effingham County property record for 1408 Indian Oak Ln, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,356 sqft · built 1994
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Tax Bill	$5,436 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-018-059`

Property Details

APN / Parcel Number

Primary APN	`03-11-018-059`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,356 sqft Base Area
1st Floor Area	1,356 sqft
Basement Area	1,356 sqft
Unfinished Basement	1,356 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1408 INDIAN OAK LN
City	EFFINGHAM
State	IL
Zip	62401-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 REPLAT FRANK HOELSCHER SUBD EXCEPT ROW 3444/188 1103/19 1103/17
Legal Subdivision	HOELSCHER SUBDIVISION
Legal Lot Number	4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1038
Census Tract	950700

Owner

1408 Indian Oak Ln is owned and occupied by an individual who acquired it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1408 INDIAN OAK LN, EFFINGHAM, IL 62401-5214
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
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jan 29, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 15, 2019
Transfer Doc	3444/188
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1408 INDIAN OAK LN, EFFINGHAM, IL 62401-5214
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3628/147
Date	Nov 5, 2020
Book Page	3628/147
Instrument	202020006161

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1408 INDIAN OAK LN, EFFINGHAM, IL 62401-5214
Transaction Type	Mortgage
Record Updated	Oct 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3493/340
Date	Sep 5, 2019
Book Page	3493/340
Instrument	201901903516

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 18, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 29, 2019
Property Address	1408 INDIAN OAK LN, EFFINGHAM, IL 62401-5214
Document Number	3444/188
Book / Page	3444 / 188
Map Reference	MB 1087 PG 153
Instrument Date	Jan 15, 2019
Instrument	201901900345
Transaction Type	Transfer
Record Updated	Aug 5, 2021
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
Address	1408 INDIAN OAK LN, EFFINGHAM, IL 62401-5214

Mortgage

Document Number	201901900346
Date	Jan 29, 2019
Instrument	201901900346

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1408 Indian Oak Ln was $5,436 with a homeowner's exemption, down 7.6% 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	$5,436.00 (-7.58%) Homeowner's exemption	$102,500 (+1%) Land $6,920 Building $95,580	$307,500 (+1%) Land $20,760 Building $286,740
2024	$5,882.00	$93,180 Land $6,290 Building $86,890	$279,540 Land $18,870 Building $260,670
2022	$4,757.00 Homeowner's exemption	$77,720 Land $5,250 Building $72,470	$233,160 Land $15,750 Building $217,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1408 Indian Oak Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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 (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 1408 Indian Oak Ln 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 15 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Indian Oak Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures