20742 N 1400th St, Effingham, IL 62401 Property Records

Effingham County property record for 20742 N 1400th St, Effingham, IL 62401

Property Summary

Property Type	Rural Home
Details	1 bd · 2,169 sqft · built 1996
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2017)
Tax Bill	$5,392 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`03-27-021-025`

Property Details

APN / Parcel Number

Primary APN	`03-27-021-025`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,169 sqft Base Area
1st Floor Area	2,169 sqft
Basement Area	1,452 sqft
Unfinished Basement	1,452 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	20742 N 1400TH ST
City	EFFINGHAM
State	IL
Zip	62401-7312
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W1056FT OF N412.5FT SW NW 3350/49 1211/10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1014
Census Tract	950100

Owner

20742 N 1400th St, a rural home, is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	20742 N 1400TH ST, EFFINGHAM, IL 62401-7312
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
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Nov 21, 2017	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2017 · Amount on File
Deed Sale	Nov 21, 2017 · Amount on File
Deed Document Number	20171705431
Deed Book / Page	3350 / 49
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	20742 N 1400TH ST, EFFINGHAM, IL 62401-7312
Transaction Type	Mortgage
Record Updated	Jun 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3562/51
Date	May 13, 2020
Book Page	3562/51
Instrument	202020002244

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 21, 2017
Property Address	20742 N 1400TH ST, EFFINGHAM, IL 62401-7312
Document Number	3350/049
Book / Page	3350 / 049
Instrument Date	Nov 20, 2017
Instrument	201701705431
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20742 N 1400TH ST, EFFINGHAM, IL 62401-7312

Mortgage

Document Number	201701705432
Date	Nov 21, 2017
Instrument	201701705432

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 20742 N 1400th St was $5,392 with a homeowner's exemption.

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Douglas Township
Unified School District	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,392.00	$116,000 Land $5,380 Building $110,620	$348,000 Land $16,140 Building $331,860
2022	$4,010.00 Homeowner's exemption	$87,760 Land $3,890 Building $83,870	$263,280 Land $11,670 Building $251,610

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 20742 N 1400th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force

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 20742 N 1400th 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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