14625 E Harmony Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14625 E Harmony Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,475 sqft · built 2006
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$4,500 (Aug 2005)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-164-001`

Property Details

APN / Parcel Number

Primary APN	`14-10-164-001`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,475 sqft Base Area
1st Floor Area	1,475 sqft
Basement Area	1,475 sqft
Unfinished Basement	1,474 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	19,602 sqft (0.45 acres)
Garage Area	1,223 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	14625 E HARMONY DR
City	EFFINGHAM
State	IL
Zip	62401-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CEDAR CREEK ESTATES 2157/17 1277/126 1173/321 784/306
Legal Subdivision	CEDAR CREEK ESTATES
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2025
Census Tract	950500

Owner

14625 E Harmony Dr is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	14625 E HARMONY DR, EFFINGHAM, IL 62401-4846
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2005 · Amount on File
Deed Sale	Aug 10, 2005 · Amount on File
Deed Document Number	20054384
Deed Book / Page	2157 / 17
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14625 E HARMONY DR, EFFINGHAM, IL 62401-4846
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003551/171
Date	Apr 17, 2020
Book Page	3551/171
Instrument	202020001660

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 14625 E Harmony Dr was $4,867 with a homeowner's exemption.

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	$4,867.00	$97,810 Land $9,590 Building $88,220	$293,430 Land $28,770 Building $264,660
2022	$3,491.00 Homeowner's exemption	$73,150 Land $7,170 Building $65,980	$219,450 Land $21,510 Building $197,940

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

Flood

FEMA maps place 14625 E Harmony Dr 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 14625 E Harmony Dr 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	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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Harmony Dr

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