15977 N 1400th St, Effingham, IL 62401 Property Records

Effingham County property record for 15977 N 1400th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,878 sqft · built 1954
Lot Size	0.49 acres (21,344 sqft)
Owner	Company Name on File
Last Sale	$138,500 (Sep 2017)
Tax Bill	$2,015 (2025)
Deeds & Mortgages	Jan 2026 Sale Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-017-026`

Property Details

APN / Parcel Number

Primary APN	`03-11-017-026`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,878 sqft Base Area
1st Floor Area	1,878 sqft
Basement Area	1,290 sqft
Unfinished Basement	1,290 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15977 N 1400TH ST
City	EFFINGHAM
State	IL
Zip	62401-3071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 8.85RODS OF N 8.85RODS NE NE 3332/341 3145/315 277/299
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1015
Census Tract	950700

Owner

15977 N 1400th St is owned by a company that bought it in September 2017 and is owner-occupied.

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	Company Name on File
Mailing Address	201 E JEFFERSON AVE, EFFINGHAM, IL 62401-3450
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Warranty Deed, Transfer
Jan 25, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 12, 2017	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2017 · Amount on File
Deed Sale	Sep 12, 2017 · Amount on File
Deed Document Number	20171704330
Deed Book / Page	3332 / 341
Prior Transfer Date	Sep 4, 2015
Prior Transfer Doc	3145/315
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 23, 2026
Property Address	15977 N 1400TH ST, EFFINGHAM, IL 62401-3071
Document Number	202626000296
Instrument Date	Jan 22, 2026
Instrument	202626000296
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15977 N 1400TH ST, EFFINGHAM, IL 62401-3071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 E JEFFERSON AVE, EFFINGHAM, IL 62401-3450

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15977 N 1400TH ST, EFFINGHAM, IL 62401-3071
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003757/85
Date	Jan 25, 2022
Book Page	3757/85
Instrument	202222000379

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 2, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 12, 2017
Property Address	15977 N 1400TH ST, EFFINGHAM, IL 62401-3071
Document Number	3332/341
Book / Page	3332 / 341
Instrument Date	Sep 11, 2017
Instrument	201701704330
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BANKERS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.75
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	15977 N 1400TH ST, EFFINGHAM, IL 62401-3071

Mortgage

Document Number	201701704331
Date	Sep 12, 2017
Instrument	201701704331

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 15977 N 1400th St was $2,015 with a homeowner's exemption, up 9.9% 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	Douglas 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	$2,015.00 (+9.87%) Homeowner's exemption	$45,450 (+1%) Land $2,530 Building $42,920	$136,350 (+1%) Land $7,590 Building $128,760
2024	$1,834.00 Homeowner's exemption	$41,320 Land $2,300 Building $39,020	$123,960 Land $6,900 Building $117,060
2022	$1,374.00 Homeowner's exemption	$34,460 Land $1,920 Building $32,540	$103,380 Land $5,760 Building $97,620

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 15977 N 1400th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2000 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 15977 N 1400th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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