200 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 200 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,445 sqft · built 1952
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Feb 2023)
Tax Bill	$4,470 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-037-004`

Property Details

APN / Parcel Number

Primary APN	`03-16-037-004`

Interior

Building Area	2,445 sqft Base Area
1st Floor Area	2,445 sqft
Basement Area	2,445 sqft
Unfinished Basement	2,445 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	200 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 28 RAILROAD ADD B LESS ROW & W 1/2 OF THAT PART VACATED ALLEY & THAT PART OF VACATED SECTION ST 3838/239 3305/260 2
Legal Subdivision	RAILROAD ADDITION
Legal Block	28
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1076
Census Tract	950800

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	Company Name on Record
Mailing Address	200 S 3RD ST, 1, EFFINGHAM, IL 62401-3600
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Commercial Mortgage DIETERICH BANK NA
Feb 1, 2023	Warranty Deed, Transfer · Commercial Mortgage DIETERICH BANK NA
Jun 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Prior Sale	Apr 8, 2008 · Amount on Record
Deed Document Number	2023357
Deed Book / Page	3838 / 239
Prior Transfer Date	Apr 6, 2017
Prior Transfer Doc	003305/309
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	200 S 3RD ST, EFFINGHAM, IL 62401-3600
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 S 3RD ST 1, 1, EFFINGHAM, IL 62401-3600

Mortgage

Document Number	202626000894
Date	Mar 11, 2026
Instrument	202626000894

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	1510 EAST FAYETTE AVENUE, EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 1, 2023
Property Address	200 S 3RD ST, EFFINGHAM, IL 62401-3600
Document Number	003838/239
Book / Page	3838 / 239
Map Reference	MB E PG 500
Instrument Date	Jan 27, 2023
Instrument	202323000357
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 S 3RD ST, EFFINGHAM, IL 62401-3600

Mortgage

Document Number	202323000358
Date	Feb 1, 2023
Instrument	202323000358

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 7, 2017
Property Address	200 S 3RD ST, EFFINGHAM, IL 62401-3600
Document Number	003305/309
Book / Page	3305 / 309
Map Reference	MB E PG 500
Instrument Date	Apr 6, 2017
Instrument	201701702477
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 E JEFFERSON AVE, 201, EFFINGHAM, IL 62401-3450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 CLIFFVIEW DR, EFFINGHAM, IL 62401-5222

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
Municipality	Effingham City
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,470.00 (-8.12%)	$79,230 (+10.01%) Land $28,670 Building $50,560	$237,690 (+10.01%) Land $86,010 Building $151,680
2024	$4,865.00 (+21.05%)	$72,020 (+19.91%) Land $26,060 Building $45,960	$216,060 (+19.91%) Land $78,180 Building $137,880
2022	$4,019.00	$60,060 Land $21,730 Building $38,330	$180,180 Land $65,190 Building $114,990

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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 95% of the US · lower than 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
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	None 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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