14878 E Harmony Dr, Effingham, IL 62401 Property Records

Effingham County property record for 14878 E Harmony Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,975 sqft · built 1990
Lot Size	6.5 acres (283,140 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jun 2021)
Tax Bill	$6,484 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-164-020`

Property Details

APN / Parcel Number

Primary APN	`14-10-164-020`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,975 sqft Base Area
1st Floor Area	1,975 sqft
Basement Area	1,975 sqft
Unfinished Basement	1,974 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	283,140 sqft (6.5 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Street Address	14878 E HARMONY DR
City	EFFINGHAM
State	IL
Zip	62401-4849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUTLOT A CEDAR CREEK ESTATES 3693/284 814/207 740/102
Legal Subdivision	CEDAR CREEK ESTATES
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2025
Census Tract	950500

Owner

14878 E Harmony Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	14878 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 9, 2023	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Jun 8, 2021	Warranty Deed, Transfer · Commercial Mortgage CROSSROADS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Deed Document Number	202121002845
Deed Book / Page	3693 / 284
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14878 E HARMONY DR, EFFINGHAM, IL 62401-4849
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003840/51
Date	Feb 9, 2023
Book Page	3840/51
Instrument	202323000488

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	7.5%
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 8, 2021
Property Address	14878 E HARMONY DR, EFFINGHAM, IL 62401-4849
Document Number	003693/284
Book / Page	3693 / 284
Instrument Date	Jun 7, 2021
Instrument	202121002845
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14878 E HARMONY DR, EFFINGHAM, IL 62401-4849

Mortgage

Document Number	202121002846
Date	Jun 8, 2021
Instrument	202121002846

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 7, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 14878 E Harmony Dr was $6,484 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	$6,484.00	$128,310 Land $20,100 Building $108,210	$384,930 Land $60,300 Building $324,630
2022	$4,400.00 Homeowner's exemption	$95,960 Land $15,030 Building $80,930	$287,880 Land $45,090 Building $242,790

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

FEMA maps place 14878 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 14878 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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