16045 Spindle Dr, Effingham, IL 62401 Property Records

Effingham County property record for 16045 Spindle Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,260 sqft · built 2014
Lot Size	3.09 acres (135,036 sqft)
Owner	Individual Name on File
Tax Bill	$5,282 (2022)
Deeds & Mortgages	May 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-231-016`

Property Details

APN / Parcel Number

Primary APN	`14-10-231-016`

Interior

Stories	1 Story
Building Area	2,260 sqft Base Area
Basement Area	2,260 sqft

Exterior

Year Built	Built 2014
Construction Type	Frame
Lot Area	135,036 sqft (3.09 acres)
Garage Area	1,053 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	16045 SPINDLE DR
City	EFFINGHAM
State	IL
Zip	62401-5979
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1, 2 & 3 WINDMILL HILL SUBD 2645/84 1572/292
Legal Subdivision	WINDMILL HILL SUBDIVISION
Legal Lot Number	1-3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2039
Census Tract	950500

Owner

16045 Spindle Dr is owned and occupied by an individual.

Source: Effingham County records, as of August 24, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	16045 SPINDLE DR, EFFINGHAM, IL 62401-5979
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
May 18, 2022	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000264584
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16045 SPINDLE DR, EFFINGHAM, IL 62401-5979
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003784/192
Date	May 18, 2022
Book Page	3784/192
Instrument	202222002082

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jun 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16045 SPINDLE DR, EFFINGHAM, IL 62401-5979
Transaction Type	Mortgage
Record Updated	May 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3553/279
Date	Apr 23, 2020
Book Page	3553/279
Instrument	202020001785

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$5,282.00 Homeowner's exemption	$105,600 Land $16,350 Building $89,250	$316,800 Land $49,050 Building $267,750

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

Flood

FEMA maps place 16045 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 16045 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

4G LTE (outdoors only), no 5G reported

Nearby Properties on Spindle Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures