20856 N 1400th St, Effingham, IL 62401 Property Records

Effingham County property record for 20856 N 1400th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,668 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$3,308 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-27-021-021`

Property Details

APN / Parcel Number

Primary APN	`03-27-021-021`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,668 sqft Base Area
1st Floor Area	1,668 sqft
Basement Area	1,668 sqft
Unfinished Basement	1,668 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	20856 N 1400TH ST
City	EFFINGHAM
State	IL
Zip	62401-7313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 545FT OF S 858FT OF W 400FT NW NW 3442/225 3442/222 3149/31 579/80
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1014
Census Tract	950100

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	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED MORTGAGE LENDING LLC
Oct 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jan 18, 2019	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 7, 2018
Transfer Doc	3442/222
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313

Mortgage

Document Number	202525004125
Date	Nov 17, 2025
Instrument	202525004125

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	999 W BIG BEAVER RD # 33, TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	5%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313

Mortgage

Document Number	202323003330
Date	Oct 12, 2023
Instrument	202323003330

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 28, 2053

Interest

Rate	7.24%

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 18, 2019
Property Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313
Document Number	3442/222
Book / Page	3442 / 222
Instrument Date	Dec 7, 2018
Instrument	201901900205
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20856 N 1400TH ST, EFFINGHAM, IL 62401-7313

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
Unified School District	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,308.00 (+7.82%) Homeowner's exemption	$73,480 (+1%) Land $8,220 Building $65,260	$220,440 (+1%) Land $24,660 Building $195,780
2024	$3,068.00 (+31.39%)	$66,800 (+19.89%) Land $7,470 Building $59,330	$200,400 (+19.89%) Land $22,410 Building $177,990
2022	$2,335.00 Homeowner's exemption	$55,720 Land $6,230 Building $49,490	$167,160 Land $18,690 Building $148,470

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

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 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

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	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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