2407 Culpepper St, Effingham, IL 62401 Property Records

Effingham County property record for 2407 Culpepper St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,644 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,666 (Dec 2021)
Tax Bill	$4,509 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-11-172-016`

Property Details

APN / Parcel Number

Primary APN	`03-11-172-016`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,644 sqft Base Area
1st Floor Area	1,644 sqft
Basement Area	1,644 sqft
Unfinished Basement	1,644 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	14,810 sqft (0.34 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2407 CULPEPPER ST
City	EFFINGHAM
State	IL
Zip	62401-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 2 SHENANDOAH SUB ADD A EXCEPT W 8FT 3745/5 3273/296 2333/142 1767/67 769/196
Legal Subdivision	SHENANDOAH SUBDIVISION
Legal Block	2
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1030
Census Tract	950700

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	2 Individual Names on Record
Mailing Address	2407 CULPEPPER ST, EFFINGHAM, IL 62401-4531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Warranty Deed, Transfer · FHA Mortgage CELEBRITY HOME LOANS LLC
Jan 23, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Jan 23, 2017 · Amount on Record
Deed Document Number	20215951
Deed Book / Page	3745 / 5
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 3, 2021
Property Address	2407 CULPEPPER ST, EFFINGHAM, IL 62401-4531
Document Number	00003745/5
Book / Page	3745 / 5
Instrument Date	Dec 3, 2021
Instrument	202121005951
Transaction Type	Transfer
Record Updated	Jan 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2407 CULPEPPER ST, EFFINGHAM, IL 62401-4531

Mortgage

Document Number	202121005952
Date	Dec 3, 2021
Instrument	202121005952

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 23, 2017
Property Address	2407 CULPEPPER ST, EFFINGHAM, IL 62401-4531
Document Number	3273/296
Book / Page	3273 / 296
Map Reference	MB 10 PG 156
Instrument Date	Jan 23, 2017
Instrument	201701700344
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726

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
Municipality	Effingham City
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,509.00 (+14.94%)	$86,040 (+31.88%) Land $15,290 Building $70,750	$258,120 (+31.88%) Land $45,870 Building $212,250
2022	$3,923.00 Homeowner's exemption	$65,240 Land $11,600 Building $53,640	$195,720 Land $34,800 Building $160,920

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.

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 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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