16020 Spindle Dr, Effingham, IL 62401 Property Records

Effingham County property record for 16020 Spindle Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,052 sqft · built 2004
Lot Size	2.8 acres (121,968 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,331 (2025)
Deeds & Mortgages	Oct 2026 Transfer Nov 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-231-014`

Property Details

APN / Parcel Number

Primary APN	`14-10-231-014`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,052 sqft Base Area
1st Floor Area	2,052 sqft
Basement Area	2,052 sqft
Unfinished Basement	2,052 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	121,968 sqft (2.8 acres)
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16020 SPINDLE DR
City	EFFINGHAM
State	IL
Zip	62401-5894
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 WINDMILL HILL SUBD 1819/165 1572/292
Legal Subdivision	WINDMILL HILL SUBDIVISION
Legal Lot Number	14
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2039
Census Tract	950500

Owner

16020 Spindle Dr is owned and occupied by two individuals who acquired it in October 2026.

Source: Effingham County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16020 SPINDLE DR, EFFINGHAM, IL 62401-5894
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 6, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 1, 2026
Transfer Doc	0000003858
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 6, 2026
Property Address	16020 SPINDLE DR, EFFINGHAM, IL 62401-5894
Document Number	0000003858
Instrument Date	Oct 1, 2026
Instrument	20263858
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16020 SPINDLE DR, EFFINGHAM, IL 62401-5894

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16020 SPINDLE DR, EFFINGHAM, IL 62401-5894
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202525004170
Date	Nov 19, 2025
Instrument	202525004170

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Dec 23, 2035

Interest

Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16020 SPINDLE DR, EFFINGHAM, IL 62401-5894
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3700/249
Date	Jul 1, 2021
Book Page	3700/249
Instrument	202121003291

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 16020 Spindle Dr was $5,331 with a homeowner's exemption.

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	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,331.00	$111,160 Land $19,670 Building $91,490	$333,480 Land $59,010 Building $274,470
2022	$4,083.00 Homeowner's exemption	$83,140 Land $14,710 Building $68,430	$249,420 Land $44,130 Building $205,290

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16020 Spindle Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16020 Spindle Dr 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 15 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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