2500 Culpepper St, Effingham, IL 62401 Property Records

Effingham County property record for 2500 Culpepper St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,050 sqft · built 1983
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Nov 2017)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Jun 2026 Transfer Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-172-010`

Property Details

APN / Parcel Number

Primary APN	`03-11-172-010`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Building Area	1,050 sqft Base Area
1st Floor Area	1,050 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2500 CULPEPPER ST
City	EFFINGHAM
State	IL
Zip	62401-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 4 SHENANDOAH SUB ADD A 3348/36 3118/207 679/46
Legal Subdivision	SHENANDOAH SUBDIVISION
Legal Block	4
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1022
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	2500 CULPEPPER ST, EFFINGHAM, IL 62401-4502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Prior Sale	May 21, 2015 · Amount on Record
Deed Document Number	20171705293
Deed Book / Page	3348 / 36
Last Transfer Date	Jun 25, 2026
Transfer Doc	0000002329
Record Updated	Oct 29, 2026

June 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 26, 2026
Property Address	2500 CULPEPPER ST, EFFINGHAM, IL 62401-4502
Document Number	0000002329
Instrument Date	Jun 25, 2026
Instrument	20262329
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 CULPEPPER ST, EFFINGHAM, IL 62401-4502

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 13, 2017
Property Address	2500 CULPEPPER ST, EFFINGHAM, IL 62401-4502
Document Number	3348/036
Book / Page	3348 / 036
Map Reference	MB 10 PG 156
Instrument Date	Nov 9, 2017
Instrument	201701705293
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
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	2500 CULPEPPER ST, EFFINGHAM, IL 62401-4502

Mortgage

Document Number	201701705294
Date	Nov 13, 2017
Instrument	201701705294

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate	3.99%

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	$3,560.00 (-7.27%) Homeowner's exemption	$69,190 (+1%) Land $13,740 Building $55,450	$207,570 (+1%) Land $41,220 Building $166,350
2024	$3,839.00 (+41.97%)	$62,900 (+19.9%) Land $12,490 Building $50,410	$188,700 (+19.9%) Land $37,470 Building $151,230
2022	$2,704.00 Homeowner's exemption Senior Citizen's exemption	$52,460 Land $10,410 Building $42,050	$157,380 Land $31,230 Building $126,150

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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