207 W Wernsing Ave, Effingham, IL 62401 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,106 sqft · built 1930
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Sep 2023)
Tax Bill	$3,887 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit May 2015 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-028`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-028`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,106 sqft Base Area
1st Floor Area	1,106 sqft
Basement Area	1,106 sqft
Unfinished Basement	1,106 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	207 W WERNSING AVE
City	EFFINGHAM
State	IL
Zip	62401-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 2 BURKE'S ADD 3877/223 3701/46 2192/291 1712/179 1440/246 1304/123 1296/289 998/43
Legal Subdivision	BURKE'S ADDITION
Legal Block	2
Legal Lot Number	13
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2063
Census Tract	950800

Owner

207 W Wernsing Ave is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Occupancy	Owner Occupied
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
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
May 19, 2015	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage LAND OF LINCOLN CU
Dec 29, 2005	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Jul 2, 2021 · Amount on File
Deed Document Number	20232887
Deed Book / Page	3877 / 223
Prior Transfer Date	Jul 12, 2006
Prior Transfer Doc	0000003318
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003310/309
Date	Jun 27, 2017
Book Page	3310/309
Instrument	201701702816

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jul 15, 2032

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003117/277
Date	May 19, 2015
Book Page	3117/277
Instrument	201501501944

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2045

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 6, 2023
Property Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Document Number	003877/223
Book / Page	3877 / 223
Map Reference	MB 1 PG 35
Instrument Date	Sep 1, 2023
Instrument	202323002887
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.00
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 WERNSING AVE, EFFINGHAM, IL 62401-2740

Mortgage

Document Number	202323002888
Date	Sep 6, 2023
Instrument	202323002888

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate	6.49%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 2, 2021
Property Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Document Number	3701/46
Book / Page	3701 / 46
Map Reference	MB 1 PG 35-37
Instrument Date	Jun 30, 2021
Instrument	202121003317
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
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 WERNSING AVE, EFFINGHAM, IL 62401-2740

Mortgage

Document Number	202121003318
Date	Jul 2, 2021
Instrument	202121003318

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

December 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 29, 2005
Property Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740
Document Number	002192/291
Book / Page	2192 / 291
Map Reference	MB1 PG35-37
Instrument Date	Dec 28, 2005
Instrument	0507016
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 W WERNSING AVE, EFFINGHAM, IL 62401-2740

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	804 W SAINT ANTHONY AVE, EFFINGHAM, IL 62401-2051

Mortgage

Document Number	0000507017
Date	Dec 29, 2005
Instrument	0507017

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Dec 28, 2038

Mortgage

Document Number	002192/299
Date	Dec 29, 2005
Book Page	2192/299
Instrument	0507018

Lender

Name	CEFS ECONOMIC OPPORTUNITY CORP
Address	EFFINGHAM, IL 62401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 28, 2015

Tax Assessment & Valuation

The 2025 property tax bill for 207 W Wernsing Ave was $3,887 with a homeowner's exemption, down 7.3% from the year before.

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	$3,887.00 (-7.32%)	$74,900 (+1%) Land $10,920 Building $63,980	$224,700 (+1%) Land $32,760 Building $191,940
2024	$4,194.00 Homeowner's exemption	$68,090 Land $9,930 Building $58,160	$204,270 Land $29,790 Building $174,480
2022	$2,073.00 Homeowner's exemption	$37,520 Land $8,280 Building $29,240	$112,560 Land $24,840 Building $87,720

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

FEMA maps place 207 W Wernsing Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 207 W Wernsing Ave is low, with 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 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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