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2020 Steger Dr, Effingham, IL 62401 Property Records

Effingham County property record for 2020 Steger Dr, Effingham, IL 62401

Property Summary

Property TypeSingle Family Home
Details2,244 sqft · built 2017
Lot Size0.65 acres (28,314 sqft)
Owner2 Trust Names on File
Tax Bill$8,708 (2025)
Deeds & MortgagesAug 2023 Transfer
Feb 2018 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN12-12-152-037

Property Details

APN / Parcel Number

Primary APN12-12-152-037

Interior

Stories1 Story
Building Area2,244 sqft Base Area
1st Floor Area2,244 sqft
Basement Area2,244 sqft
Unfinished Basement2,244 sqft

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Construction TypeFrame
Lot Area28,314 sqft (0.65 acres)
Garage Area1,272 sqft
Parking Spaces5 Parking Spaces

Location & Zoning

Street Address2020 STEGER DR
CityEFFINGHAM
StateIL
Zip62401-3183
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 28 OF REPLAT LOTS 28, 29 & 31 BLK 1 HISTORIC HILLS SUBD 3RD ADDITION 3875/227 3650/263 3289/24 1721/199
Legal SubdivisionHISTORIC HILLS SUBDIVISION 3RD ADDITION
Legal Block1
Legal Lot Number28-31
JurisdictionEFFINGHAM IL
Township / Civil DivisionTEUTOPOLIS
Census Block Group2
Census Block2001
Census Tract950600

Owner

2020 Steger Dr is owner-occupied and held in a trust since January 2021.

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

Owner of Record2 Trust Names on File
Mailing Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Feb 1, 2018Deed of Trust, Mortgage · Conventional Mortgage
WASHINGTON SAVINGS BANK
Jun 20, 2017Deed of Trust, Mortgage · Construction Mortgage
WASHINGTON SAVINGS BANK
Apr 7, 2020Deed of Trust, Mortgage · Commercial Mortgage
WASHINGTON SAVINGS BANK
Jan 20, 2021Quit Claim Deed, Transfer
CITYWIDE TITLE CORPORATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJan 12, 2021
Transfer Doc3650/263
Record UpdatedOct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionEFFINGHAM IL
Recording DateAug 28, 2023
Property Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
Document Number003875/227
Book / Page3875 / 227
Map ReferenceMB 3638 PG280PL425-A
Instrument DateAug 9, 2023
Instrument202323002779
Transaction TypeTransfer
Record UpdatedSep 27, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2020 STEGER DR, EFFINGHAM, IL 62401-3183

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number3363/348
DateFeb 1, 2018
Book Page3363/348
Instrument201801800398
Lender
NameWASHINGTON SAVINGS BANK
TypeBank
AddressEFFINGHAM, IL 62401
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2048
Interest
Rate4.12%

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyBARRISTER TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number3309/027
DateJun 20, 2017
Book Page3309/027
Instrument201701702696
Lender
NameWASHINGTON SAVINGS BANK
TypeBank
AddressEFFINGHAM, IL 62401
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term9 Months
DueMar 14, 2018
Interest
Rate2.75%

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number3548/8
DateApr 7, 2020
Book Page3548/8
Instrument202020001483
Lender
NameWASHINGTON SAVINGS BANK
TypeBank
AddressEFFINGHAM, IL 62401
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term162 Months
DueOct 15, 2033
Interest
Rate2.37%

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionEFFINGHAM IL
Recording DateJan 20, 2021
Property Address2020 STEGER DR, EFFINGHAM, IL 62401-3183
Document Number3650/263
Book / Page3650 / 263
Map ReferenceMB 3638 PG 280 PL 42
Instrument DateJan 12, 2021
Instrument202121000314
Transaction TypeTransfer
Record UpdatedAug 5, 2021
Title CompanyCITYWIDE TITLE CORPORATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1303 NEWCOMB DR, 1303, EFFINGHAM, IL 62401-5080

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2020 STEGER DR, EFFINGHAM, IL 62401-3183

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Steger Dr was $8,708 with a homeowner's exemption, down 9.1% from the year before.

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionTeutopolis Township
MunicipalityEffingham City
Unified School DistrictTeutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,708.00 (-9.1%) Homeowner's exemption$164,780 (+1%) Land $24,160 Building $140,620$494,340 (+1%) Land $72,480 Building $421,860
2024$9,580.00$149,800 Land $21,960 Building $127,840$449,400 Land $65,880 Building $383,520
2022$6,211.00 Homeowner's exemption$123,230 Land $18,060 Building $105,170$369,690 Land $54,180 Building $315,510

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

Flood

FEMA maps place 2020 Steger Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2020 Steger Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · above 42% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Wabash Communications
Fiber		1,000 / 1,000
Fidium Fiber
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
GigFire
Fixed Wireless		150 / 130
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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