15761 E 7 Oaks Cir, Effingham, IL 62401 Property Records

Effingham County property record for 15761 E 7 Oaks Cir, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,622 sqft · built 1997
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,140,000 (May 2024)
Tax Bill	$5,548 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-222-010`

Property Details

APN / Parcel Number

Primary APN	`14-10-222-010`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,622 sqft Base Area
1st Floor Area	1,622 sqft
Basement Area	1,622 sqft
Unfinished Basement	1,622 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	52,272 sqft (1.2 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15761 E 7 OAKS CIR
City	EFFINGHAM
State	IL
Zip	62401-7174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 OF REPLAT LOTS 8,9,10 & 12 HORTENSTINE SEVEN OAKS SUB 24001653 3500/38 2981/9 2038/75 1342/210 1262/287 1251/36
Legal Subdivision	HORTENSTINE SEVEN OAKS SUBDIVISION
Legal Lot Number	10-12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2033
Census Tract	950500

Owner

Source: Effingham County records, as of October 5, 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	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2020	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 3, 2019	Deed of Trust, Mortgage · Commercial Mortgage DIETERICH BANK NA
Sep 27, 2019	Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	Sep 27, 2019 · Amount on Record
Deed Document Number	20241653
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174

Mortgage

Document Number	3529/197
Date	Jan 23, 2020
Book Page	3529/197
Instrument	202020000360

Lender

Name	USDA
Type	Government Agency
Address	EFFINGHAM, IL 62401

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2040

Interest

Rate	1.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Oct 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3493/073
Date	Sep 3, 2019
Book Page	3493/073
Instrument	201901903473

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	3.63%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 27, 2019
Property Address	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Document Number	3500/038
Book / Page	3500 / 038
Instrument Date	Sep 27, 2019
Instrument	201901903883
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15761 E 7 OAKS CIR, 15761, EFFINGHAM, IL 62401-7174

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15761 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174

Mortgage

Document Number	201901903884
Date	Sep 27, 2019
Instrument	201901903884

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.44%
Type Change Date	Sep 27, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.44%
Index	1-Year CMT
Max Rate	8.44%

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	$5,548.00 (+8.23%) Homeowner's exemption	$110,660 (+1%) Land $16,300 Building $94,360	$331,980 (+1%) Land $48,900 Building $283,080
2024	$5,126.00 (+38.24%)	$100,600 (+21.56%) Land $14,820 Building $85,780	$301,800 (+21.56%) Land $44,460 Building $257,340
2022	$3,708.00 Homeowner's exemption	$82,760 Land $12,190 Building $70,570	$248,280 Land $36,570 Building $211,710

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
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	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 22 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

No cell data coverage reported

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