Effingham County property record for 2403 Culpepper St, Effingham, IL 62401 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 1 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1988 |
| Square Footage | 1,984 sqft Base Area |
| Lot Size | 54,014 sqft (1.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2010) |
| Tax Bill | $10,092.00 (2024) |
| Primary APN | 03-11-017-138 |
|---|
| Bedrooms | 1 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,984 sqft Base Area |
| 1st Floor | 1,984 sqft 1st Floor |
| Basement Area | 1,984 sqft Basement |
| Unfinished Basement | 1,984 sqft Unfinished |
| Stories | 2 Stories |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame Construction |
| Lot Area | 54,014 sqft (1.24 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 675 sqft Garage |
| Street Address | 2403 CULPEPPER ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4531 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 2 HONEYSUCKLE KNOLL SUBD 3120/318 2632/343 1644/53 1081/45 |
| Legal Subdivision | HONEYSUCKLE KNOLL SUBDIVISION |
| Legal Lot Number | 2 |
| Jurisdiction | EFFINGHAM IL |
| Minor Civil Division | DOUGLAS |
| Census Blockgroup | 1 |
| Census Block | 1030 |
| Census Tract | 950700 |
Source: Effingham County records · APN 03-11-017-138
Assessment roll updated September 9, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2403 CULPEPPER ST, EFFINGHAM, IL 62401-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LAND OF LINCOLN CU |
| Oct 23, 2019 | Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 2010 · Amount on Record |
| Deed Sale | Jun 25, 2010 · Amount on Record |
| Deed Doc Number | 20101003022 |
| Deed Book / Page | 2632 / 343 |
| Last Transfer Date | Jun 03, 2015 |
| Transfer Doc | 3120/318 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2403 CULPEPPER ST, EFFINGHAM, IL 62401-4531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3609/33 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 3609/33 |
| Instrument | 202020004988 |
| Name | LAND OF LINCOLN CU |
|---|---|
| Type | Credit Union |
| Address | DECATUR, IL 62521 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2035 |
| Rate | 2.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2403 CULPEPPER ST, EFFINGHAM, IL 62401-4531 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3506/307 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 3506/307 |
| Instrument | 201901904289 |
| Name | LAND OF LINCOLN CU |
|---|---|
| Type | Credit Union |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 22, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Effingham County records · Assessment roll updated September 9, 2025 · Last verified April 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) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $10,092.00 (+22.56%) | $155,570 (+19.9%) Land $39,860 Building $115,710 | $466,710 (+19.9%) Land $119,580 Building $347,130 |
| 2022 | $8,234.00 Homeowner's exemption | $129,750 Land $33,250 Building $96,500 | $389,250 Land $99,750 Building $289,500 |
Source: FEMA National Flood Hazard Layer, Effingham County (17049C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 4% of the US · above 26% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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