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2400 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 2400 N 3rd St, Effingham, IL 62401

Property Summary

Property TypeCommercial
Details3,360 sqft · built 1990
Lot Size2.28 acres (99,317 sqft)
OwnerCompany Name on Record
Last Sale$54,000 (Oct 2024)
Tax Bill$11,745 (2025)
Deeds & MortgagesMar 2026 Mortgage
Dec 2022 Sale
Flood ZoneZone X (minimal risk)
APN03-11-016-141

Property Details

APN / Parcel Number

Primary APN03-11-016-141

Interior

Building Area3,360 sqft Base Area
1st Floor Area3,360 sqft
Basement Area3,360 sqft
Unfinished Basement1,760 sqft

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Lot Area99,317 sqft (2.28 acres)

Location & Zoning

Street Address2400 N 3RD ST
CityEFFINGHAM
StateIL
Zip62401-3057
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionLOT 2 TRAILWAYS SUBD 24003249 3833/69 3456/216 2900/104 2867/255 2594/249 2590/143 2408/42 2408/39 2371/160 2146/77 2048/133
Legal SubdivisionTRAILWAYS SUBDIVISION
Legal Lot Number2
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1036
Census Tract950600

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 RecordCompany Name on Record
Mailing Address603 W EVERGREEN AVE, EFFINGHAM, IL 62401-3015
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 27, 2026Deed of Trust, Mortgage · Commercial Mortgage
CROSSROADS BANK
Dec 29, 2022Limited Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 2, 2024 · Amount on Record
Deed SaleOct 2, 2024 · Amount on Record
Prior SaleDec 29, 2022 · Amount on Record
Deed Document Number20243249
Prior Transfer DateSep 27, 2024
Prior Transfer Doc0000003249
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address2400 N 3RD ST, EFFINGHAM, IL 62401-3057
Transaction TypeMortgage
Record UpdatedApr 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202626001119
DateMar 27, 2026
Instrument202626001119
Lender
NameCROSSROADS BANK
TypeBank
Address2000 S BANKER ST, EFFINGHAM, IL 62401
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term240 Months
DueMar 23, 2046
Interest
Rate TypeAdjustable Rate
Rate3.8%

December 2022: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionEFFINGHAM IL
Recording DateDec 29, 2022
Property Address2400 N 3RD ST, EFFINGHAM, IL 62401-3057
Document Number0003833/69
Book / Page3833 / 69
Map ReferencePL 92-E MB 2900 PG93
Instrument DateApr 5, 2019
Instrument202222005199
Transaction TypeTransfer
Record UpdatedSep 29, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address603 W EVERGREEN AVE, EFFINGHAM, IL 62401-3015

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$11,745.00 (-8.16%)$208,480 (+1%) Land $80,100 Building $128,380$625,440 (+1%) Land $240,300 Building $385,140
2024$12,788.00 (+20.11%)$189,530 (+18.98%) Land $72,820 Building $116,710$568,590 (+18.98%) Land $218,460 Building $350,130
2022$10,647.00$159,290 Land $61,950 Building $97,340$477,870 Land $185,850 Building $292,020

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskNot 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 SystemEJ WATER COOPERATIVE
private · serves 29,720 people · EPA ID IL0790010
Water SourceSurface water
Last State InspectionFeb 2026
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting25
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Wisper ISP
Fixed Wireless		400 / 30
Verizon
Fixed Wireless		300 / 20
GigFire
Fixed Wireless		150 / 130

May also be available: T-Mobile.

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