16084 Spindle Dr, Effingham, IL 62401 Property Records

Effingham County property record for 16084 Spindle Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,552 sqft · built 2019
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Oct 2017)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	May 2019 Construction Loan Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-231-009`

Property Details

APN / Parcel Number

Primary APN	`14-10-231-009`

Interior

Stories	1 Story
Building Area	1,552 sqft Base Area
1st Floor Area	1,552 sqft
Basement Area	1,552 sqft
Unfinished Basement	1,552 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Lot Area	47,045 sqft (1.08 acres)
Garage Area	1,188 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	16084 SPINDLE DR
City	EFFINGHAM
State	IL
Zip	62401-5894
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WINDMILL HILL SUBD 3338/37 2561/158 2446/13 2103/193 1572/292
Legal Subdivision	WINDMILL HILL SUBDIVISION
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2039
Census Tract	950500

Owner

16084 Spindle Dr is owned and occupied by two individuals who bought it in October 2017.

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	2 Individual Names on File
Mailing Address	16084 SPINDLE DR, EFFINGHAM, IL 62401-5894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2019	Deed of Trust, Mortgage · Construction Mortgage TEUTOPOLIS STATE BANK
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK
Oct 3, 2017	Deed, Transfer · Line of Credit TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Oct 7, 2008 · Amount on File
Deed Document Number	20171704667
Deed Book / Page	3338 / 37
Prior Transfer Date	Aug 14, 2009
Prior Transfer Doc	2561/158
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16084 SPINDLE DR, EFFINGHAM, IL 62401-5894
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3467/333
Date	May 23, 2019
Book Page	3467/333
Instrument	201901901863

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Nov 23, 2019

Interest

Rate	3%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16084 SPINDLE DR, EFFINGHAM, IL 62401-5894
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3607/305
Date	Sep 4, 2020
Book Page	3607/305
Instrument	202020004924

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

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

Interest

Rate	2.62%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	16084 SPINDLE DR, EFFINGHAM, IL 62401-5894
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3515/003
Date	Nov 22, 2019
Book Page	3515/003
Instrument	201901904822

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate	3.75%

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 3, 2017
Property Address	16084 SPINDLE DR, EFFINGHAM, IL 62401-5894
Document Number	3338/037
Book / Page	3338 / 037
Map Reference	MB 1572 PG 292
Instrument	201701704667
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.75
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	203 S WALL ST, TEUTOPOLIS, IL 62467-1247

Mortgage

Document Number	201701704668
Date	Oct 3, 2017
Instrument	201701704668

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Nov 15, 2022

Tax Assessment & Valuation

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	$3,983.00 (+7.21%) Homeowner's exemption	$84,570 (+1%) Land $7,540 Building $77,030	$253,710 (+1%) Land $22,620 Building $231,090
2024	$3,715.00 (+1,138.33%)	$76,880 (+21.53%) Land $6,850 Building $70,030	$230,640 (+21.53%) Land $20,550 Building $210,090
2022	$300.00 Homeowner's exemption	$63,260 Land $5,640 Building $57,620	$189,780 Land $16,920 Building $172,860

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

Flood

FEMA maps place 16084 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 16084 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

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