15792 E 7 Oaks Cir, Effingham, IL 62401 Property Records

Effingham County property record for 15792 E 7 Oaks Cir, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,410 sqft · built 1998
Lot Size	8.55 acres (372,438 sqft)
Owner	2 Individual Names on File
Last Sale	$2,430,000 (Jul 2026)
Tax Bill	$10,909 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-222-018`

Property Details

APN / Parcel Number

Primary APN	`14-10-222-018`

Interior

Bedrooms	1 Bed
Stories	2 Stories
Building Area	2,410 sqft Base Area
1st Floor Area	2,410 sqft
Basement Area	2,399 sqft
Unfinished Basement	2,399 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	372,438 sqft (8.55 acres)
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15792 E 7 OAKS CIR
City	EFFINGHAM
State	IL
Zip	62401-7174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8A & 9 OF REPLAT 8,9,10 & 12 HORTENSTINE'S SEVEN OAKS SUB 3449/336 2981/310 2981/14 2981/11 1317/285 1251/36
Legal Subdivision	HORTENSTINE'S SEVEN OAKS SUBDIVISION
Legal Lot Number	8A-9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2033
Census Tract	950500

Owner

15792 E 7 Oaks Cir is owned and occupied by two individuals who bought it in July 2026.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14241 E DUTCH LN, EFFINGHAM, IL 62401-5413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Oct 25, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIETERICH BANK NA
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Feb 27, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on File
Deed Sale	Jul 24, 2026 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	20262758
Prior Transfer Date	Feb 26, 2019
Prior Transfer Doc	3449/336
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 24, 2026
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Document Number	0000002758
Instrument Date	Jul 20, 2026
Instrument	20262758
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14241 E DUTCH LN, EFFINGHAM, IL 62401-5413

Mortgage

Document Number	0000002759,
Date	Jul 24, 2026
Instrument	20262759

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.99%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003882/217
Date	Oct 2, 2023
Book Page	3882/217
Instrument	202322003201

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 23, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3680/305
Date	Apr 29, 2021
Book Page	3680/305
Instrument	202121002081

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 27, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Apr 27, 2026
Min Rate At Change	3.75%
Max Rate At Change	5.95%
Index	1-Year CMT
Max Rate	8.95%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3343/052
Date	Oct 25, 2017
Book Page	3343/052
Instrument	201701704998

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Nov 17, 2022

Interest

Rate Type	Fixed Rate
Rate	4.77%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3343/039
Date	Oct 25, 2017
Book Page	3343/039
Instrument	201701704997

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Transaction Type	Mortgage
Record Updated	Jul 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3574/218
Date	Jun 9, 2020
Book Page	3574/218
Instrument	202020002965

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 27, 2019
Property Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Document Number	3449/336
Book / Page	3449 / 336
Map Reference	MB 298 PG 1
Instrument Date	Feb 26, 2019
Instrument	201901900704
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174

Tax Assessment & Valuation

The 2025 property tax bill for 15792 E 7 Oaks Cir was $10,909 with a homeowner's exemption, up 7.9% from the year before.

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	$10,909.00 (+7.94%) Homeowner's exemption	$211,780 (+1%) Land $31,120 Building $180,660	$635,340 (+1%) Land $93,360 Building $541,980
2024	$10,107.00	$192,530 Land $28,290 Building $164,240	$577,590 Land $84,870 Building $492,720
2022	$7,946.00 Homeowner's exemption	$158,390 Land $23,270 Building $135,120	$475,170 Land $69,810 Building $405,360

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

Flood

FEMA maps place 15792 E 7 Oaks Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 15792 E 7 Oaks Cir is low, with a 0.01% annual chance of 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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