14735 E Harmony Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14735 E Harmony Dr, Effingham, IL 62401 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	1,300 sqft · built 1983
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Dec 2025)
Tax Bill	$4,049 (2024)
Deeds & Mortgages	Nov 2024 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-164-022`

Property Details

APN / Parcel Number

Primary APN	`14-10-164-022`

Interior

Building Area	1,300 sqft Base Area
Basement Area	1,300 sqft

Exterior

Year Built	Built 1983
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)

Location & Zoning

Street Address	14735 E HARMONY DR
City	EFFINGHAM
State	IL
Zip	62401-4847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 CEDAR CREEK ESTATES 3878/293 2938/155 2660/136 1305/75 1011/171 738/76
Legal Subdivision	CEDAR CREEK ESTATES
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2025
Census Tract	950500

Owner

Source: Effingham County records · APN 14-10-164-022

Assessment roll updated January 1, 2024 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 01, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Dec 15, 2025	Warranty Deed, Transfer · Closed-End Mortgage THE LOUISVILLE BANKING COMPANY A BR
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Sep 12, 2023 · Amount on Record
Deed Document Number	202525004503
Record Updated	Jun 08, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847

Mortgage

Document Number	202424003620
Date	Nov 01, 2024
Instrument	202424003620

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2054

Interest

Rate Type	Fixed Rate

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 15, 2025
Property Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847
Document Number	202525004503
Map Reference	PL 71-C REC 13 PG 19
Instrument Date	Nov 24, 2025
Instrument	202525004503
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847

Mortgage

Document Number	202525004504
Date	Dec 15, 2025
Instrument	202525004504

Lender

Name	THE LOUISVILLE BANKING COMPANY A BR

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jan 24, 2031

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 12, 2023
Property Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847
Document Number	003878/293
Book / Page	3878 / 293
Map Reference	DD 13 PG 109
Instrument Date	Sep 11, 2023
Instrument	202323002968
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14735 E HARMONY DR, EFFINGHAM, IL 62401-4847

Mortgage

Document Number	202323002969
Date	Sep 12, 2023
Instrument	202323002969

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Interest

Rate Type	Fixed Rate
Rate	7.87%

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated January 1, 2024 · Last verified January 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,049.00 (+29.03%) Homeowner's exemption	$80,730 (+21.54%) Land $8,850 Building $71,880	$242,190 (+21.54%) Land $26,550 Building $215,640
2022	$3,138.00 Homeowner's exemption	$66,420 Land $7,280 Building $59,140	$199,260 Land $21,840 Building $177,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (17049C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 71% of Illinois
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wabash Telephone Cooperative	Fiber	1,000 / 1,000
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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