206 E Grove Ave, Effingham, IL 62401 Property Records

Effingham County property record for 206 E Grove Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 780 sqft · built 1930
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Sep 2022)
Tax Bill	$1,748 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-021`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-021`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Base Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	206 E GROVE AVE
City	EFFINGHAM
State	IL
Zip	62401-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 LOY'S SUB 3808/318 3367/57 3272/331 3010/253 2973/262 2792/333 2685/109 1435/323 880/53
Legal Subdivision	LOY'S SUBDIVISION
Legal Lot Number	15
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3001
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	Individual Name on Record
Mailing Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Feb 22, 2018	Warranty Deed, Transfer · Line of Credit KINMUNDY BANK
Jan 18, 2017	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	20223651
Deed Book / Page	3808 / 318
Prior Transfer Date	Aug 12, 2013
Prior Transfer Doc	2973/262
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 2, 2022
Property Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834
Document Number	003808/318
Book / Page	3808 / 318
Map Reference	PL 1 PG 55
Instrument Date	Sep 1, 2022
Instrument	202222003651
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834
Investor	Possibly a Property Investor

Mortgage

Document Number	202222003652
Date	Sep 2, 2022
Instrument	202222003652

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 22, 2018
Property Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834
Document Number	3367/057
Book / Page	3367 / 057
Instrument Date	Feb 16, 2018
Instrument	201801800630
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834

Mortgage

Document Number	201801800631
Date	Feb 22, 2018
Instrument	201801800631

Lender

Name	KINMUNDY BANK
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 18, 2017
Property Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834
Document Number	3272/331
Book / Page	3272 / 331
Map Reference	PL 1 PG 55
Instrument Date	Jan 18, 2017
Instrument	201701700284
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ILLINOIS REAL ESTATE TITLE C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E GROVE AVE, EFFINGHAM, IL 62401-3834

Mortgage

Document Number	201701700285
Date	Jan 18, 2017
Instrument	201701700285

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

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

Interest

Rate	4.25%

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	$1,748.00 (-6.27%) Homeowner's exemption	$36,990 (+10.02%) Land $6,330 Building $30,660	$110,970 (+10.02%) Land $18,990 Building $91,980
2024	$1,865.00 (+29.69%)	$33,620 (+19.86%) Land $5,750 Building $27,870	$100,860 (+19.86%) Land $17,250 Building $83,610
2022	$1,438.00	$28,050 Land $4,800 Building $23,250	$84,150 Land $14,400 Building $69,750

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 349 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 · Fiber in parts of the area	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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