204 S Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 204 S Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,040 sqft · built 1945
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$94,500 (Apr 2024)
Tax Bill	$1,071 (2022)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-029-015`

Property Details

APN / Parcel Number

Primary APN	`03-16-029-015`

Interior

Stories	1 Story
Building Area	1,040 sqft Base Area
Basement Area	520 sqft

Exterior

Year Built	Built 1945
Construction Type	Frame
Lot Area	3,920 sqft (0.089 acres)
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	204 S CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 12 EXCEPT N 71FT WESTERN ADD 2400/121 2283/332 957/176
Legal Subdivision	WESTERN ADDITION
Legal Block	12
Legal Lot Number	5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1048
Census Tract	950800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	11355 E THISTLEWOOD LN, EFFINGHAM, IL 62401-4488
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Apr 17, 2008 · Amount on Record
Deed Document Number	202424001158
Record Updated	Jun 7, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 16, 2024
Property Address	204 S CHERRY ST, EFFINGHAM, IL 62401-1921
Document Number	202424001158
Instrument Date	Apr 11, 2024
Instrument	202424001158
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11355 E THISTLEWOOD LN, EFFINGHAM, IL 62401-4488

Mortgage

Document Number	202424001159
Date	Apr 16, 2024
Instrument	202424001159

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2044

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	202424001159
Date	Apr 16, 2024
Instrument	202424001159

Lender

Name	CROSSROADS BANK
Type	Bank
Address	2000 S BANKER ST, EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2044

Interest

Rate Type	Adjustable Rate

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	$1,071.00 Homeowner's exemption	$22,560 Land $3,970 Building $18,590	$67,680 Land $11,910 Building $55,770

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 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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	Not rated no burnable land within ember reach

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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Consolidated Communications DSL	500 / 75
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130

May also be available: AT&T, Wabash Telephone Cooperative, Wisper ISP.

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