2011 S Redoak St, Effingham, IL 62401 Property Records

Effingham County property record for 2011 S Redoak St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,528 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,500 (Oct 2022)
Tax Bill	$3,979 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-332-006`

Property Details

APN / Parcel Number

Primary APN	`03-11-332-006`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,528 sqft Base Area
1st Floor Area	1,528 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2011 S REDOAK ST
City	EFFINGHAM
State	IL
Zip	62401-4174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 OF REPLAT OF WOODLAND HEIGHTS SUB 1ST ADD 3818/308 3632/47 1182/10
Legal Subdivision	WOODLAND HEIGHTS
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2057
Census Tract	950600

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	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Warranty Deed, Transfer · Conventional Mortgage CREDIT UNION 1
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 27, 2018	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Nov 18, 2020 · Amount on Record
Deed Document Number	20224279
Deed Book / Page	3818 / 308
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 24, 2022
Property Address	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174
Document Number	003818/308
Book / Page	3818 / 308
Map Reference	PL 79-D MB 13 PG 220
Instrument Date	Oct 6, 2022
Instrument	202222004279
Transaction Type	Transfer
Record Updated	Dec 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.50
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	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174

Mortgage

Document Number	202222004280
Date	Oct 24, 2022
Instrument	202222004280

Lender

Name	CREDIT UNION 1
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	003818/324
Date	Oct 24, 2022
Book Page	3818/324
Instrument	202222004281

Lender

Name	CREDIT UNION 1
Type	Credit Union
Address	LOMBARD, IL 60148

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 18, 2020
Property Address	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174
Document Number	3632/47
Book / Page	3632 / 47
Map Reference	MB 13 PG 220
Instrument Date	Nov 9, 2020
Instrument	202020006404
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$749.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174

Mortgage

Document Number	202020006405
Date	Nov 18, 2020
Instrument	202020006405

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 27, 2018
Property Address	2011 S REDOAK ST, EFFINGHAM, IL 62401-4174
Document Number	3394/202
Book / Page	3394 / 202
Map Reference	MB 2 PG 16
Instrument Date	Jun 26, 2018
Instrument	201801802572
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 S PEMBROKE ST, 602, EFFINGHAM, IL 62401-3776

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	602 S PEMBROKE ST, EFFINGHAM, IL 62401-3776

Mortgage

Document Number	201801802573
Date	Jun 27, 2018
Instrument	201801802573

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

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	$3,979.00 (+15.5%)	$76,640 (+31.89%) Land $9,120 Building $67,520	$229,920 (+31.89%) Land $27,360 Building $202,560
2022	$3,445.00 Homeowner's exemption	$58,110 Land $6,920 Building $51,190	$174,330 Land $20,760 Building $153,570

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

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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