14800 E Harmony Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14800 E Harmony Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,432 sqft · built 1983
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on File
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Feb 2023 Transfer May 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-164-012`

Property Details

APN / Parcel Number

Primary APN	`14-10-164-012`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,432 sqft Base Area
1st Floor Area	1,432 sqft
Basement Area	1,432 sqft
Unfinished Basement	1,432 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	54,014 sqft (1.24 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	14800 E HARMONY DR
City	EFFINGHAM
State	IL
Zip	62401-4849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 CEDAR CREEK ESTATES 3838/305 2545/290 770/219
Legal Subdivision	CEDAR CREEK ESTATES
Legal Lot Number	12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2025
Census Tract	950500

Owner

14800 E Harmony Dr is owned and occupied by an individual who acquired it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849
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
Feb 2, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 10, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSROADS BANK
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2009
Deed Sale	Jul 20, 2009
Deed Document Number	2009905016
Deed Book / Page	2545 / 290
Last Transfer Date	Jan 30, 2023
Transfer Doc	0000000373
Record Updated	Oct 29, 2026

February 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 2, 2023
Property Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849
Document Number	003838/305
Book / Page	3838 / 305
Map Reference	PL 13 PG 109
Instrument Date	Jan 30, 2023
Instrument	202323000373
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003383/030
Date	May 10, 2018
Book Page	3383/030
Instrument	201801801756

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 25, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003594/272
Date	Jul 31, 2020
Book Page	3594/272
Instrument	202020004130

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

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

Interest

Rate	2.37%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14800 E HARMONY DR, EFFINGHAM, IL 62401-4849
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003594/288
Date	Jul 31, 2020
Book Page	3594/288
Instrument	202020004132

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 14800 E Harmony Dr was $4,373, up 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	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	$4,373.00 (+7.6%)	$82,500 (+1%) Land $18,300 Building $64,200	$247,500 (+1%) Land $54,900 Building $192,600
2024	$4,064.00	$75,000 Land $16,640 Building $58,360	$225,000 Land $49,920 Building $175,080
2022	$2,891.00	$61,700 Land $13,690 Building $48,010	$185,100 Land $41,070 Building $144,030

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

Flood

FEMA maps place 14800 E Harmony Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 14800 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 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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