207 N Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 207 N Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 920 sqft · built 1907
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Sep 2020)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Sep 2020 Sale Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-022-056`

Property Details

APN / Parcel Number

Primary APN	`03-16-022-056`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	920 sqft Base Area
1st Floor Area	920 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	207 N CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 & N 4FT LOT 3 BLK 31 SURVEYOR'S ADD E 3612/348 3291/346 2437/84 1066/225 671/20 478/118 458/117 451/213 407/316
Legal Subdivision	SURVEYOR'S ADDITION
Legal Block	31
Legal Lot Number	2-3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1031
Census Tract	950800

Owner

207 N Cherry St is owned by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	199 E MAIN ST, WHITELAND, IN 46184-1510
Owner Type	Individual

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

Date	Document
Sep 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 10, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF WEATHERFORD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Apr 10, 2017 · Amount on File
Deed Document Number	202020005220
Deed Book / Page	3612 / 348
Prior Transfer Date	Aug 22, 2008
Prior Transfer Doc	2437/084
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 21, 2020
Property Address	207 N CHERRY ST, EFFINGHAM, IL 62401-2014
Document Number	3612/348
Book / Page	3612 / 348
Map Reference	DD 5 PG 232
Instrument Date	Sep 18, 2020
Instrument	202020005220
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$52.50
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	199 E MAIN ST, WHITELAND, IN 46184-1510

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 10, 2017
Property Address	207 N CHERRY ST, EFFINGHAM, IL 62401-2014
Document Number	3291/346
Book / Page	3291 / 346
Map Reference	DD 5 PG 232
Instrument Date	Apr 7, 2017
Instrument	201701701586
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 N CHERRY ST, EFFINGHAM, IL 62401-2014

Mortgage

Document Number	201701701587
Date	Apr 10, 2017
Instrument	201701701587

Lender

Name	FIRST NATIONAL BANK OF WEATHERFORD
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 207 N Cherry St was $1,963.

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	$1,963.00	$34,800 Land $5,920 Building $28,880	$104,400 Land $17,760 Building $86,640
2022	$1,766.00	$26,380 Land $4,490 Building $21,890	$79,140 Land $13,470 Building $65,670

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

Flood

FEMA maps place 207 N Cherry St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 207 N Cherry St 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 Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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 244 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
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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