18080 Wild Oaks Dr, Effingham, IL 62401 Property Records

Effingham County property record for 18080 Wild Oaks Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,258 sqft · built 2005
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jul 2019)
Tax Bill	$5,832 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-27-032-036`

Property Details

APN / Parcel Number

Primary APN	`03-27-032-036`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	2,258 sqft Base Area
1st Floor Area	2,258 sqft
Basement Area	2,258 sqft
Unfinished Basement	2,257 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	93,654 sqft (2.15 acres)
Garage Area	752 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	18080 WILD OAKS DR
City	EFFINGHAM
State	IL
Zip	62401-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 WILD OAKS ESTATES 2142/318 1994/273
Legal Subdivision	WILD OAKS ESTATES
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1016
Census Tract	950100

Owner

Source: Effingham County records, as of October 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18080 WILD OAKS DR, EFFINGHAM, IL 62401-6815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF HILLSBORO
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF HILLSBORO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Jun 27, 2005 · Amount on Record
Deed Document Number	20191902679
Deed Book / Page	3480 / 136
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	18080 WILD OAKS DR, EFFINGHAM, IL 62401-6815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3588/164
Date	Jul 13, 2020
Book Page	3588/164
Instrument	202020003746

Lender

Name	BANK OF HILLSBORO
Type	Bank
Address	HILLSBORO, IL 62049

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 16, 2019
Property Address	18080 WILD OAKS DR, EFFINGHAM, IL 62401-6815
Document Number	3480/136
Book / Page	3480 / 136
Instrument Date	Jul 12, 2019
Instrument	201901902679
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$187.50
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	18080 WILD OAKS DR, EFFINGHAM, IL 62401-6815

Mortgage

Document Number	003480/117
Date	Jul 16, 2019
Book Page	3480/117
Instrument	201901902676

Lender

Name	BANK OF HILLSBORO
Type	Bank
Address	HILLSBORO, IL 62049

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,832.00 (+31.47%)	$128,080 (+35.19%) Land $20,960 Building $107,120	$384,240 (+35.19%) Land $62,880 Building $321,360
2022	$4,436.00 Homeowner's exemption	$94,740 Land $15,890 Building $78,850	$284,220 Land $47,670 Building $236,550

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 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 10 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

5G (outdoors only) and 4G LTE

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