15055 Copper Ridge Ct, Effingham, IL 62401 Property Records

Effingham County property record for 15055 Copper Ridge Ct, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,728 sqft · built 1943
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Feb 2023)
Tax Bill	$4,966 (2025)
Deeds & Mortgages	Oct 2025 Construction Loan Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-016-103`

Property Details

APN / Parcel Number

Primary APN	`03-11-016-103`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,728 sqft Base Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft
Unfinished Basement	1,728 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Construction Type	Frame
Lot Area	35,284 sqft (0.81 acres)

Location & Zoning

Street Address	15055 COPPER RIDGE CT
City	EFFINGHAM
State	IL
Zip	62401-4663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 REPLAT OF LOTS 3, 4 & 5 EVERGREEN POINTE SUBD 24001731 3840/155 2733/97 2392/75
Legal Subdivision	EVERGREEN POINTE SUBDIVISION
Legal Lot Number	3-5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1070
Census Tract	950600

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	15055 COPPER RIDGE CT, EFFINGHAM, IL 62401-4663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Construction Mortgage MIDLAND STATES BANK
Feb 13, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2023 · Amount on Record
Deed Sale	Feb 13, 2023 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Document Number	2023506
Deed Book / Page	3840 / 155
Last Transfer Date	May 30, 2024
Transfer Doc	0000001731
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15055 COPPER RIDGE CT, EFFINGHAM, IL 62401-4663
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15055 COPPER RIDGE CT, EFFINGHAM, IL 62401-4663

Mortgage

Document Number	202525003678
Date	Oct 10, 2025
Instrument	202525003678

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	1201 NETWORK CENTRE DR, EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Aug 9, 2026

Interest

Rate Type	Fixed Rate
Rate	5.25%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 13, 2023
Property Address	15055 COPPER RIDGE CT, EFFINGHAM, IL 62401-4663
Document Number	003840/155
Book / Page	3840 / 155
Map Reference	MB 2588 PG 214
Instrument Date	Feb 10, 2023
Instrument	202323000506
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
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	15055 COPPER RIDGE CT, EFFINGHAM, IL 62401-4663

Mortgage

Document Number	202323000507
Date	Feb 13, 2023
Instrument	202323000507

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	10.1%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Douglas 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	$4,966.00 (+71.3%)	$104,300 (+31.88%) Land $47,540 Building $56,760	$312,900 (+31.88%) Land $142,620 Building $170,280
2022	$2,899.00	$79,090 Land $36,050 Building $43,040	$237,270 Land $108,150 Building $129,120

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

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 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	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
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	None 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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	200 / 40
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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