15775 N Cobblestone Ct, Effingham, IL 62401 Property Records

Effingham County property record for 15775 N Cobblestone Ct, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,171 sqft · built 2003
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,581,000 (Jan 2026)
Tax Bill	$9,509 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2021 Line of Credit + 14 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-133-089`

Property Details

APN / Parcel Number

Primary APN	`11-07-133-089`

Interior

Bedrooms	1 Bed
Stories	2 Stories
Building Area	2,171 sqft Base Area
1st Floor Area	2,171 sqft
Basement Area	2,171 sqft
Unfinished Basement	2,171 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	42,689 sqft (0.98 acres)
Garage Area	845 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	15775 N COBBLESTONE CT
City	EFFINGHAM
State	IL
Zip	62401-4638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 71 & 72 LAKE EDWARD ESTATES 3787/181 3324/187 3075/172 2470/300 2401/24 1897/229
Legal Subdivision	LAKE EDWARD ESTATE
Legal Lot Number	71-72
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4002
Census Tract	950200

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	9 KINGSMONT CT, SAINT PETERS, MO 63376-4553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Oct 21, 2009	Deed of Trust, Mortgage · Line of Credit FLORA BANK & TRUST
Jan 23, 2009	Deed of Trust, Mortgage FLORA BANK & TRUST
Jan 30, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANKERS TRUST COMPANY N A
Sep 23, 2011	Deed of Trust, Mortgage · Line of Credit FIRST BANKERS TRUST COMPANY NA
Jul 18, 2011	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANKERS TRUST COMPANY NA
Jun 18, 2014	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Mar 12, 2008	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANC MORTGAGE CORP
Jan 30, 2006	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Jan 21, 2026	Warranty Deed, Transfer · VA Mortgage MIDLAND STATES BANK
Jun 1, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 4, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Oct 31, 2014	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	2026218
Prior Transfer Date	Jan 12, 2009
Prior Transfer Doc	2470/300
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003594/166
Date	Jul 31, 2020
Book Page	3594/166
Instrument	202020004118

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

Mortgage

Document Number	003677/270
Date	Apr 19, 2021
Book Page	3677/270
Instrument	202121001876

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 31, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	UNKNOWN, ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003668/15
Date	Mar 16, 2021
Book Page	3668/15
Instrument	202121001304

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

Mortgage

Document Number	202525003865
Date	Oct 29, 2025
Instrument	202525003865

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	200 S BANKER ST, EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 15, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Change Frequency	Monthly

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002571/154
Date	Oct 21, 2009
Book Page	2571/154
Instrument	200900906797

Lender

Name	FLORA BANK & TRUST
Address	FLORA, IL 62839

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002474/240
Date	Jan 23, 2009
Book Page	2474/240
Instrument	200900900444

Lender

Name	FLORA BANK & TRUST
Address	FLORA, IL 62839

Agreement

Amount	Amount Recorded
Term	37 Months
Due	Jan 31, 2012

Interest

Rate	4.75%

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002801/230
Date	Jan 30, 2012
Book Page	2801/230
Instrument	201201200451

Lender

Name	FIRST BANKERS TRUST COMPANY N A
Address	QUINCY, IL 62301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2042

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002761/138
Date	Sep 23, 2011
Book Page	2761/138
Instrument	201101104405

Lender

Name	FIRST BANKERS TRUST COMPANY NA
Address	QUINCY, IL 62301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	83 Months
Due	Aug 30, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002742/163
Date	Jul 18, 2011
Book Page	2742/163
Instrument	201101103174

Lender

Name	FIRST BANKERS TRUST COMPANY NA
Address	QUINCY, IL 62301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2041

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003043/083
Date	Jun 18, 2014
Book Page	3043/083
Instrument	201401402575

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002391/246
Date	Mar 12, 2008
Book Page	2391/246
Instrument	200800801230

Lender

Name	COMMUNITY BANC MORTGAGE CORP
Address	PAWNEE, IL 62558

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2033

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002199/173
Date	Jan 30, 2006
Book Page	2199/173
Instrument	0600481

Lender

Name	CROSSROADS BANK
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	99.9%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 21, 2026
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Document Number	202626000218
Map Reference	PL 197-D MB 1170 PG
Instrument Date	Jan 16, 2026
Instrument	202626000218
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	914 NORTHWOOD DR, EFFINGHAM, IL 62401-5207

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

Mortgage

Document Number	202626000219
Date	Jan 21, 2026
Instrument	202626000219

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 1, 2022
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Document Number	003787/181
Book / Page	3787 / 181
Map Reference	MB 1170 PG 203
Instrument Date	May 2, 2022
Instrument	202222002274
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 4, 2017
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Document Number	3324/187
Book / Page	3324 / 187
Map Reference	PL197-D MB1170 PG203
Instrument Date	Aug 3, 2017
Instrument	201701703785
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15775 N COBBLESTONE CT, 15775, EFFINGHAM, IL 62401-4638

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

Mortgage

Document Number	201701703786
Date	Aug 4, 2017
Instrument	201701703786

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

October 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 31, 2014
Property Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638
Document Number	3075/172
Book / Page	3075 / 172
Map Reference	PL197-D MB1170 PG203
Instrument Date	Oct 30, 2014
Instrument	201401404744
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$474.00
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
Address	15775 N COBBLESTONE CT, EFFINGHAM, IL 62401-4638

Mortgage

Document Number	003075/175
Date	Oct 31, 2014
Book Page	3075/175
Instrument	201401404745

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2044

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	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,509.00 (+8.69%) Homeowner's exemption	$186,380 (+1%) Land $34,080 Building $152,300	$559,140 (+1%) Land $102,240 Building $456,900
2024	$8,749.00 (+31.68%) Homeowner's exemption	$169,430 (+15.11%) Land $30,980 Building $138,450	$508,290 (+15.11%) Land $92,940 Building $415,350
2022	$6,644.00 Homeowner's exemption	$147,190 Land $25,960 Building $121,230	$441,570 Land $77,880 Building $363,690

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 67 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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