Effingham County property record for 16909 N 1400th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,632 sqft · built 2009 |
| Lot Size | 5.03 acres (219,107 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $20,000 (Jul 2008) |
| Tax Bill | $4,409 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-008-043 |
| Primary APN | 03-11-008-043 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,632 sqft Base Area |
| 1st Floor Area | 1,632 sqft |
| Basement Area | 1,632 sqft |
| Unfinished Basement | 1,632 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Frame |
| Lot Area | 219,107 sqft (5.03 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pole Barn | 1,350 sqft |
| Street Address | 16909 N 1400TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-6706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 NE NE NE 2528/215 2423/163 1836/168 620/162 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950700 |
Source: Effingham County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 16909 N 1400TH ST, EFFINGHAM, IL 62401-6706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2025 | Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK |
| Oct 13, 2021 | Deed of Trust, Mortgage · Commercial Mortgage CROSSROADS BANK |
| Jan 12, 2017 | Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2008 · Amount on Record |
| Deed Sale | Jul 7, 2008 · Amount on Record |
| Deed Document Number | 2008803469 |
| Deed Book / Page | 2423 / 163 |
| Prior Transfer Date | Jul 3, 2008 |
| Prior Transfer Doc | 2423/163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 16909 N 1400TH ST, EFFINGHAM, IL 62401-6706 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202525004706 |
|---|---|
| Date | Dec 26, 2025 |
| Instrument | 202525004706 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | 806 N KELLER DR, EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 16909 N 1400TH ST, EFFINGHAM, IL 62401-6706 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3731/77 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 3731/77 |
| Instrument | 202121005093 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | Sep 18, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 16909 N 1400TH ST, EFFINGHAM, IL 62401-6706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3271/206 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 3271/206 |
| Instrument | 201701700189 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Change Frequency | Monthly |
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Douglas Township |
| Unified School District | Teutopolis Community Unit School District 50 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,409.00 (+8.86%) Homeowner's exemption | $93,400 (+1%) Land $8,250 Building $85,150 | $280,200 (+1%) Land $24,750 Building $255,450 |
| 2024 | $4,050.00 (+48.3%) | $84,910 (+19.9%) Land $7,500 Building $77,410 | $254,730 (+19.9%) Land $22,500 Building $232,230 |
| 2022 | $2,731.00 Homeowner's exemption | $70,820 Land $6,260 Building $64,560 | $212,460 Land $18,780 Building $193,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures