204 Austin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 204 Austin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,056 sqft · built 1959
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,000 (Nov 2020)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-047`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-047`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Base Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	204 AUSTIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SPRING GARDEN SUB 3628/161 3490/233 595/302
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	3
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	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Nov 6, 2020	Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC
Aug 23, 2019	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2020 · Amount on Record
Deed Sale	Nov 6, 2020 · Amount on Record
Prior Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	202020006162
Deed Book / Page	3628 / 161
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704

Mortgage

Document Number	202626000061
Date	Jan 6, 2026
Instrument	202626000061

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

Interest

Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 6, 2020
Property Address	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Document Number	3628/161
Book / Page	3628 / 161
Map Reference	PL 2 PG 28
Instrument Date	Nov 3, 2020
Instrument	202020006162
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	$133.75
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	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704

Mortgage

Document Number	202020006163
Date	Nov 6, 2020
Instrument	202020006163

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 23, 2019
Property Address	204 AUSTIN AVE, EFFINGHAM, IL 62401-2704
Document Number	3490/233
Book / Page	3490 / 233
Instrument Date	Aug 22, 2019
Instrument	201901903312
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$45.00
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	3831 E STATE HIGHWAY 33, SHUMWAY, IL 62461-2031

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	$1,898.00 (+328.44%)	$39,650 (+31.82%) Land $9,720 Building $29,930	$118,950 (+31.82%) Land $29,160 Building $89,790
2022	$443.00 Homeowner's exemption	$30,080 Land $7,380 Building $22,700	$90,240 Land $22,140 Building $68,100

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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