15307 N Cardinal Ln, Effingham, IL 62401 Property Records

Effingham County property record for 15307 N Cardinal Ln, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,592 sqft · built 2024
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,852 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-020-003`

Property Details

APN / Parcel Number

Primary APN	`11-26-020-003`

Interior

Stories	1 Story
Building Area	1,592 sqft Living Area
1st Floor Area	1,592 sqft
Basement Area	1,592 sqft
Unfinished Basement	1,592 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Lot Area	26,572 sqft (0.61 acres)
Garage Area	582 sqft

Location & Zoning

Street Address	15307 N CARDINAL LN
City	EFFINGHAM
State	IL
Zip	62401-7658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 JOHN KIRBY SUB FIRST ADDN 25004219 25002993 25002019 3800/89 3187/1 3075/121 3037/8 3037/5 1824/34 915/277
Legal Subdivision	JOHN KIRBY SUBDIVISION
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1092
Census Tract	950200

Owner

Source: Effingham County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK
Sep 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK NA
Jul 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Jul 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA

Assessor's Deed Record

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

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 8, 2026
Property Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658
Document Number	0000003901
Instrument Date	Oct 8, 2026
Instrument	20263901
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658

Mortgage

Document Number	0000003901,
Date	Oct 8, 2026
Instrument	20263901

Lender

Name	FIRST NEIGHBOR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E HENDELMEYER AVE 14, 14, EFFINGHAM, IL 62401-4286

Mortgage

Document Number	003879/175
Date	Sep 15, 2023
Book Page	3879/175
Instrument	202323003013

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank
Address	CASEY, IL 62420

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Oct 1, 2029
Change Frequency	3 Years
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	Other
Margin	3
Max Rate	13.5%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003396/121
Date	Jul 3, 2018
Book Page	3396/121
Instrument	201801802691

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jul 1, 2021

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15307 N CARDINAL LN, EFFINGHAM, IL 62401-7658
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003800/94
Date	Jul 22, 2022
Book Page	3800/94
Instrument	202222003055

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Beecher City Community Unit School District 20 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,852.00 (+359.67%)	$74,740 (+362.5%) Land $26,740 Building $48,000	$224,220 (+362.5%) Land $80,220 Building $144,000
2022	$838.00	$16,160 Land $16,160	$48,480 Land $48,480

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 100 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

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	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 79 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
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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