23477 E 1600th Ave, Montrose, IL 62445 Property Records

Effingham County property record for 23477 E 1600th Ave, Montrose, IL 62445

Property Summary

Property Type	Rural Home
Details	1 bd · 2,188 sqft · built 1974
Lot Size	79 acres (3,441,240 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,944 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-15-013-017`

Property Details

APN / Parcel Number

Primary APN	`10-15-013-017`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,188 sqft Base Area
1st Floor Area	2,188 sqft
Basement Area	2,188 sqft
Unfinished Basement	2,188 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Masonry / Concrete Block
Lot Area	3,441,240 sqft (79 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	23477 E 1600TH AVE
City	MONTROSE
State	IL
Zip	62445-5003
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	E1/2 NW EXCEPT N 208.71FT OF W 208.71FT 532/185
Jurisdiction	EFFINGHAM IL
Township / Civil Division	ST. FRANCIS
Census Block Group	3
Census Block	3005
Census Tract	950100

Owner

23477 E 1600th Ave, a rural home, is owned and occupied by two individuals who acquired it in May 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	23477 E 1600TH AVE, MONTROSE, IL 62445-5003
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
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jul 23, 2020	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 27, 2016
Transfer Doc	3212/189
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	23477 E 1600TH AVE, MONTROSE, IL 62445-5003
Transaction Type	Mortgage
Record Updated	Feb 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003835/29
Date	Jan 11, 2023
Book Page	3835/29
Instrument	202323000112

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 23, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 23, 2020
Property Address	23477 E 1600TH AVE, MONTROSE, IL 62445-5003
Document Number	3592/65
Book / Page	3592 / 65
Instrument Date	Jul 23, 2020
Instrument	202020003983
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23477 E 1600TH AVE, MONTROSE, IL 62445-5003
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 23477 E 1600th Ave was $6,944 with exemptions applied, up 7.4% 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	St. Francis Township
Unified School District	Dieterich Community Unit School District 30 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,944.00 (+7.38%) Homeowner's exemption Senior Citizen's exemption	$137,830 (+10.5%) Land $40,080 Building $97,750	$413,490 (+10.5%) Land $120,240 Building $293,250
2024	$6,467.00	$124,730 Land $35,720 Building $89,010	$374,190 Land $107,160 Building $267,030
2022	$4,186.00 Homeowner's exemption Senior Citizen's exemption	$101,670 Land $28,150 Building $73,520	$305,010 Land $84,450 Building $220,560

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

Flood

FEMA maps place 23477 E 1600th 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

The area around 23477 E 1600th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 6 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

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