14609 E Millbrook Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14609 E Millbrook Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,543 sqft · built 1999
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Nov 2021)
Tax Bill	$6,057 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-165-021`

Property Details

APN / Parcel Number

Primary APN	`14-10-165-021`

Interior

Bedrooms	1 Bed
Stories	2 Stories
Building Area	1,543 sqft Base Area
1st Floor Area	1,543 sqft
Basement Area	1,543 sqft
Unfinished Basement	1,543 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	27,443 sqft (0.63 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	14609 E MILLBROOK DR
City	EFFINGHAM
State	IL
Zip	62401-4822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 CRIPPLE CREEK SUB ADD 2 3740/1 3180/205 1837/31 1528/318
Legal Subdivision	CRIPPLE CREEK SUBDIVISION
Legal Lot Number	21
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2025
Census Tract	950500

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	Individual Name on Record
Mailing Address	14609 E MILLBROOK DR, EFFINGHAM, IL 62401-4822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Feb 1, 2016 · Amount on Record
Deed Document Number	202121005651
Deed Book / Page	3740 / 1
Prior Transfer Date	Jan 3, 2012
Prior Transfer Doc	0001200030
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 16, 2021
Property Address	14609 E MILLBROOK DR, EFFINGHAM, IL 62401-4822
Document Number	00003740/1
Book / Page	3740 / 1
Map Reference	MB 1358 PG248PL232-A
Instrument Date	Nov 12, 2021
Instrument	202121005651
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14609 E MILLBROOK DR, EFFINGHAM, IL 62401-4822

Mortgage

Document Number	202121005652
Date	Nov 16, 2021
Instrument	202121005652

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.12%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14609 E MILLBROOK DR, EFFINGHAM, IL 62401-4822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3589/202
Date	Jul 15, 2020
Book Page	3589/202
Instrument	202020003824

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	DALE, IL 62829

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Watson Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,057.00 (+38.54%)	$120,270 (+33.71%) Land $12,770 Building $107,500	$360,810 (+33.71%) Land $38,310 Building $322,500
2022	$4,372.00 Homeowner's exemption	$89,950 Land $9,550 Building $80,400	$269,850 Land $28,650 Building $241,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

Cell Coverage

No cell data coverage reported

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