15560 E 1100th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 15560 E 1100th Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,434 sqft · built 2007
Lot Size	2.67 acres (116,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Aug 2018)
Tax Bill	$13,411 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-003-021`

Property Details

APN / Parcel Number

Primary APN	`14-10-003-021`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,434 sqft Base Area
1st Floor Area	2,434 sqft
Basement Area	2,434 sqft
Unfinished Basement	2,434 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	116,305 sqft (2.67 acres)
Garage Area	995 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	15560 E 1100TH AVE
City	EFFINGHAM
State	IL
Zip	62401-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 SOUTHRIDGE ESTATES 3408/219 3389/294 3317/207 2538/208 2843/334 2311/204 2192/29
Legal Subdivision	SOUTHRIDGE ESTATES
Legal Lot Number	12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2009
Census Tract	950500

Owner

Source: Effingham County records, as of October 12, 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	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Aug 24, 2018	Special Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Jun 6, 2018	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 18, 2017	Warranty Deed, Transfer · ARM MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	20181803462
Deed Book / Page	3408 / 219
Prior Transfer Date	Feb 10, 2009
Prior Transfer Doc	002483/334
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003594/20
Date	Jul 29, 2020
Book Page	3594/20
Instrument	202020004095

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Aug 15, 2035

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003554/84
Date	Apr 23, 2020
Book Page	3554/84
Instrument	202020001808

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate	3%

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 24, 2018
Property Address	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Document Number	003408/219
Book / Page	3408 / 219
Map Reference	PL 301-B MB 1821 PG
Instrument Date	Aug 22, 2018
Instrument	201801803462
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$457.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 NETWORK CENTRE DR, 1200, EFFINGHAM, IL 62401-4602

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2205 REDBUD ST, EFFINGHAM, IL 62401-4920

Mortgage

Document Number	201801803463
Date	Aug 24, 2018
Instrument	201801803463

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate	4.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 6, 2018
Property Address	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Document Number	003389/294
Book / Page	3389 / 294
Map Reference	MB 1821 PG 22
Instrument Date	Jun 5, 2018
Instrument	201801802237
Transaction Type	Transfer
Record Updated	Aug 5, 2022
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	1200 NETWORK CENTRE DR, EFFINGHAM, IL 62401-4602

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 18, 2017
Property Address	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624
Document Number	003317/207
Book / Page	3317 / 207
Map Reference	MB 1821 PG 22
Instrument Date	Jul 17, 2017
Instrument	201701703283
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
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	15560 E 1100TH AVE, EFFINGHAM, IL 62401-5624

Mortgage

Document Number	201700003284
Date	Jul 18, 2017
Instrument	201700003284

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

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	$13,411.00 (+35.45%)	$263,260 (+33.7%) Land $25,550 Building $237,710	$789,780 (+33.7%) Land $76,650 Building $713,130
2022	$9,901.00 Homeowner's exemption	$196,900 Land $19,110 Building $177,790	$590,700 Land $57,330 Building $533,370

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	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 16 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

Nearby Properties on E 1100th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures