207 W Cedar Ave, Effingham, IL 62401 Property Records

Effingham County property record for 207 W Cedar Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,671 sqft · built 1975
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Dec 2019)
Tax Bill	$3,354 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-323-030`

Property Details

APN / Parcel Number

Primary APN	`03-11-323-030`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,671 sqft Base Area
1st Floor Area	1,671 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	207 W CEDAR AVE
City	EFFINGHAM
State	IL
Zip	62401-2975
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 13 BUENEKEMPER'S SUBD !!F!! (B&B) 3784/61 3519/115 1246/232 625/269
Legal Subdivision	BUENEKEMPER'S SUBDIVISION
Legal Block	13
Legal Lot Number	7
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3024
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	207 W CEDAR AVE, EFFINGHAM, IL 62401-2975
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · Commercial Mortgage FCB BANKS
Dec 12, 2019	Warranty Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	20191905102
Deed Book / Page	3519 / 115
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 16, 2022
Property Address	207 W CEDAR AVE, EFFINGHAM, IL 62401-2975
Document Number	0003784/61
Book / Page	3784 / 61
Instrument Date	May 13, 2022
Instrument	202222002057
Transaction Type	Transfer
Record Updated	Jun 22, 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	207 W CEDAR AVE, EFFINGHAM, IL 62401-2975

Mortgage

Document Number	202222002058
Date	May 16, 2022
Instrument	202222002058

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 12, 2019
Property Address	207 W CEDAR AVE, EFFINGHAM, IL 62401-2975
Document Number	3519/115
Book / Page	3519 / 115
Map Reference	MB 7 PG 70
Instrument Date	Dec 12, 2019
Instrument	201901905102
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.50
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	207 W CEDAR AVE, EFFINGHAM, IL 62401-2975

Mortgage

Document Number	201901905103
Date	Dec 12, 2019
Instrument	201901905103

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	1.1%

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	$3,354.00 (+180.2%)	$65,450 (+31.9%) Land $10,690 Building $54,760	$196,350 (+31.9%) Land $32,070 Building $164,280
2022	$1,197.00 Homeowner's exemption	$49,620 Land $8,110 Building $41,510	$148,860 Land $24,330 Building $124,530

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	Indirect within 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 181 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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