Effingham County property record for 2500 Caroline Dr, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,293 sqft · built 1996 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $243,000 (Nov 2022) |
| Tax Bill | $3,946 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-172-100 |
| Primary APN | 03-11-172-100 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,293 sqft Base Area |
| 1st Floor Area | 1,293 sqft |
| Basement Area | 723 sqft |
| Unfinished Basement | 698 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Frame |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Area | 570 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2500 CAROLINE DR |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-5202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 9 SHENANDOAH SUB ADD J 3827/266 3144/1 2696/83 2453/307 1678/8 1270/32 |
| Legal Subdivision | SHENANDOAH SUBDIVISION |
| Legal Block | 9 |
| Legal Lot Number | 5 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950700 |
2500 Caroline Dr is owned and occupied by two individuals who bought it in November 2022.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2500 CAROLINE DR, EFFINGHAM, IL 62401-5202 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2022 · Amount on File |
| Deed Sale | Nov 30, 2022 · Amount on File |
| Prior Sale | Aug 31, 2015 · Amount on File |
| Deed Document Number | 20224870 |
| Deed Book / Page | 3827 / 266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Nov 30, 2022 |
| Property Address | 2500 CAROLINE DR, EFFINGHAM, IL 62401-5202 |
| Document Number | 003827/266 |
| Book / Page | 3827 / 266 |
| Map Reference | PL201-B MB1199 PG295 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 202222004870 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $243.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2500 CAROLINE DR, EFFINGHAM, IL 62401-5202 |
| Document Number | 202222004871 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 202222004871 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
The 2025 property tax bill for 2500 Caroline Dr was $3,946 with a homeowner's exemption.
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 | $3,946.00 | $76,040 Land $11,690 Building $64,350 | $228,120 Land $35,070 Building $193,050 |
| 2022 | $3,416.00 Homeowner's exemption | $57,650 Land $8,860 Building $48,790 | $172,950 Land $26,580 Building $146,370 |
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.
FEMA maps place 2500 Caroline Dr 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.
The area around 2500 Caroline Dr 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.
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 28 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
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