2004 S Sycamore St, Effingham, IL 62401 Property Records

Effingham County property record for 2004 S Sycamore St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,352 sqft · built 1990
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$18,000 (Aug 2017)
Tax Bill	$3,420 (2022)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-332-026`

Property Details

APN / Parcel Number

Primary APN	`03-11-332-026`

Interior

Stories	1 Story
Building Area	1,352 sqft Base Area
Basement Area	1,352 sqft

Exterior

Year Built	Built 1990
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2004 S SYCAMORE ST
City	EFFINGHAM
State	IL
Zip	62401-4159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 WOODLAND HEIGHTS SUB 1ST ADD 3324/317 2594/219 2048/264 961/254
Legal Subdivision	WOODLAND HEIGHTS
Legal Lot Number	26
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2055
Census Tract	950600

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Aug 7, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2017 · Amount on Record
Deed Sale	Aug 7, 2017 · Amount on Record
Prior Sale	Jan 22, 2010 · Amount on Record
Deed Document Number	201701703819
Deed Book / Page	3324 / 317
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159

Mortgage

Document Number	003788/291
Date	Jun 6, 2022
Book Page	3788/291
Instrument	202222002351

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003601/207
Date	Aug 19, 2020
Book Page	3601/207
Instrument	202020004543

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 7, 2017
Property Address	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159
Document Number	003324/317
Book / Page	3324 / 317
Map Reference	MB 12 PG 332
Instrument Date	Aug 4, 2017
Instrument	201701703819
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Tax	$270.00
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	2004 S SYCAMORE ST, EFFINGHAM, IL 62401-4159

Mortgage

Document Number	201701703820
Date	Aug 7, 2017
Instrument	201701703820

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

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

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
2022	$3,420.00 Homeowner's exemption	$57,710 Land $7,190 Building $50,520	$173,130 Land $21,570 Building $151,560

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

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

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	Indirect within 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 126 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	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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