202 Austin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 202 Austin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 960 sqft · built 1957
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Feb 2017)
Tax Bill	$1,493 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-048`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-048`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Base Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	202 AUSTIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SPRING GARDEN SUB 3280/100 1874/258 1088/190
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3014
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	202 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Feb 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2017 · Amount on Record
Deed Sale	Feb 22, 2017 · Amount on Record
Prior Sale	Mar 28, 2003 · Amount on Record
Deed Document Number	20171700810
Deed Book / Page	3280 / 100
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	202 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3733/197
Date	Oct 22, 2021
Book Page	3733/197
Instrument	202121005244

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 22, 2017
Property Address	202 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Document Number	3280/100
Book / Page	3280 / 100
Map Reference	PL 2 PG 28
Instrument Date	Feb 21, 2017
Instrument	201701700810
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	$105.00
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	202 AUSTIN AVE, EFFINGHAM, IL 62401-2704

Mortgage

Document Number	201701700811
Date	Feb 22, 2017
Instrument	201701700811

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$1,493.00 (+1.98%)	$37,470 (+31.8%) Land $9,720 Building $27,750	$112,410 (+31.8%) Land $29,160 Building $83,250
2022	$1,464.00 Homeowner's exemption	$28,430 Land $7,380 Building $21,050	$85,290 Land $22,140 Building $63,150

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · 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.

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	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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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