14780 E Harmony Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14780 E Harmony Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,300 sqft · built 1985
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,313 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-10-164-013`

Property Details

APN / Parcel Number

Primary APN	`14-10-164-013`

Interior

Bedrooms	1 Bed
Building Area	1,300 sqft Base Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	20,909 sqft (0.48 acres)

Location & Zoning

Street Address	14780 E HARMONY DR
City	EFFINGHAM
State	IL
Zip	62401-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 CEDAR CREEK ESTATES 724/118
Legal Subdivision	CEDAR CREEK ESTATES
Legal Lot Number	13
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	2 Individual Names on Record
Mailing Address	14780 E HARMONY DR, EFFINGHAM, IL 62401-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14780 E HARMONY DR, EFFINGHAM, IL 62401-4851
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003351/272
Date	Dec 4, 2017
Book Page	3351/272
Instrument	201700005546

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Dec 3, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14780 E HARMONY DR, EFFINGHAM, IL 62401-4851
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003699/68
Date	Jun 28, 2021
Book Page	3699/68
Instrument	202121003204

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	48 Months
Due	Jun 27, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,313.00 (+31.57%)	$92,370 (+33.71%) Land $10,110 Building $82,260	$277,110 (+33.71%) Land $30,330 Building $246,780
2022	$3,278.00 Homeowner's exemption	$69,080 Land $7,560 Building $61,520	$207,240 Land $22,680 Building $184,560

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

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

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 11 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

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

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