Effingham County property record for 2305 Lilly St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1,254 sqft · built 2021 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $309,000 (Mar 2023) |
| Tax Bill | $4,813 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage Oct 2021 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-173-084 |
| Primary APN | 03-11-173-084 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,254 sqft Base Area |
| 1st Floor Area | 1,254 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 2305 LILLY ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK 1 GOLDEN FIELDS SUB 1ST ADDN 3847/273 3365/229 780/84 |
| Legal Subdivision | FIELDS SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950700 |
2305 Lilly St is owned and occupied by two individuals who bought it in March 2023.
Source: Effingham County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2305 LILLY ST, EFFINGHAM, IL 62401-4544 |
| 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.
| Date | Document |
|---|---|
| Dec 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF HILLSBORO |
| Oct 20, 2021 | Deed of Trust, Mortgage · Construction Mortgage BANK OF HILLSBORO NA |
| Mar 31, 2023 | Special Warranty Deed, Transfer · Closed-End Mortgage FIRST FSLA OF CENTRAL ILLINOIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2023 · Amount on File |
| Deed Sale | Mar 31, 2023 · Amount on File |
| Deed Document Number | 20231017 |
| Deed Book / Page | 3847 / 273 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2305 LILLY ST, EFFINGHAM, IL 62401-4544 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003436/124 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 3436/124 |
| Instrument | 201801805287 |
| Name | BANK OF HILLSBORO |
|---|---|
| Type | Bank |
| Address | HILLSBORO, IL 62049 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2305 LILLY ST, EFFINGHAM, IL 62401-4544 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 101 W TEMPLE AVE, EFFINGHAM, IL 62401-2277 |
| Document Number | 003732/348 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 3732/348 |
| Instrument | 202121005220 |
| Name | BANK OF HILLSBORO NA |
|---|---|
| Type | Bank |
| Address | HILLSBORO, IL 62049 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Mar 31, 2023 |
| Property Address | 2305 LILLY ST, EFFINGHAM, IL 62401-4544 |
| Document Number | 003847/273 |
| Book / Page | 3847 / 273 |
| Map Reference | PL 390-B |
| Instrument Date | Mar 28, 2023 |
| Instrument | 202323001017 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 W TEMPLE AVE, EFFINGHAM, IL 62401-2277 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2305 LILLY ST, EFFINGHAM, IL 62401-4544 |
| Document Number | 202323001018 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 202323001018 |
| Name | FIRST FSLA OF CENTRAL ILLINOIS |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 2305 Lilly St was $4,813 with a homeowner's exemption, down 7.5% from the year before.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,813.00 (-7.5%) Homeowner's exemption | $91,430 (+1%) Land $13,460 Building $77,970 | $274,290 (+1%) Land $40,380 Building $233,910 |
| 2024 | $5,203.00 | $83,120 Land $12,240 Building $70,880 | $249,360 Land $36,720 Building $212,640 |
| 2022 | $1.00 | $26,230 Land $10,210 Building $16,020 | $78,690 Land $30,630 Building $48,060 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2305 Lilly St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.
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 (2000) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2000 · 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 risk around 2305 Lilly 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 72 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 |
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