Effingham County property record for 20820 N 1525th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1,697 sqft · built 2004 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,495 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-27-022-036 |
| Primary APN | 03-27-022-036 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,697 sqft Base Area |
| 1st Floor Area | 1,697 sqft |
| Basement Area | 1,697 sqft |
| Unfinished Basement | 1,697 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pole Barn | 720 sqft |
| Street Address | 20820 N 1525TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-7518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 280FT OF S 1744.49FT OF W 311.44FT LOT 3 ALTHOFF SUBD E 1/2 NW 2045/61 1085/343 |
| Legal Subdivision | ALTHOFF SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 950100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20820 N 1525TH ST, EFFINGHAM, IL 62401-7518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 20820 N 1525TH ST, EFFINGHAM, IL 62401-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 202323003405 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 202323003405 |
| Name | DIETERICH BANK NA |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 86 Months |
| Due | Dec 11, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.52% |
| Max Rate At Change | 8.52% |
| Index | 1-Year T-Bill |
| Max Rate | 11.5% |
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Douglas Township |
| Unified School District | Teutopolis Community Unit School District 50 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,495.00 (+33.94%) | $97,690 (+31.89%) Land $4,430 Building $93,260 | $293,070 (+31.89%) Land $13,290 Building $279,780 |
| 2022 | $3,356.00 Homeowner's exemption | $74,070 Land $3,360 Building $70,710 | $222,210 Land $10,080 Building $212,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
| KNR Wireless Fixed Wireless | 100 / 10 |
| Fidium Fiber DSL | 50 / 5 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Wabash Communications.
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