2502 N Raney St, Effingham, IL 62401 Property Records

Effingham County property record for 2502 N Raney St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,720 sqft · built 1973
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$173,500 (May 2022)
Tax Bill	$2,703 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-017-039`

Property Details

APN / Parcel Number

Primary APN	`03-11-017-039`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,720 sqft Base Area
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2502 N RANEY ST
City	EFFINGHAM
State	IL
Zip	62401-4506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1 SHENANDOAH SUB 3782/118 2952/207 2174/35 1094/38 954/318 881/99
Legal Subdivision	SHENANDOAH SUBDIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1023
Census Tract	950700

Owner

2502 N Raney St is owned and occupied by an individual who bought it in May 2022.

Source: Effingham County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	2502 N RANEY ST, EFFINGHAM, IL 62401-4506
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.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Mar 1, 2022	Deed of Trust, Mortgage · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on File
Deed Sale	May 10, 2022 · Amount on File
Prior Sale	May 24, 2013 · Amount on File
Deed Document Number	20221943
Deed Book / Page	3782 / 118
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 10, 2022
Property Address	2502 N RANEY ST, EFFINGHAM, IL 62401-4506
Document Number	003782/118
Book / Page	3782 / 118
Map Reference	MB 9 PG 21
Instrument Date	May 6, 2022
Instrument	202222001943
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2502 N RANEY ST, EFFINGHAM, IL 62401-4506

Mortgage

Document Number	202222001944
Date	May 10, 2022
Instrument	202222001944

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.87%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2502 N RANEY ST, EFFINGHAM, IL 62401-4506
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2502 N RANEY ST, EFFINGHAM, IL 62401-4506

Mortgage

Document Number	003765/203
Date	Mar 1, 2022
Book Page	3765/203
Instrument	202222000891

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	255 Months
Due	Jun 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 2502 N Raney St was $2,703 with a homeowner's exemption.

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	$2,703.00	$53,980 Land $15,600 Building $38,380	$161,940 Land $46,800 Building $115,140
2022	$2,297.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$40,930 Land $11,830 Building $29,100	$122,790 Land $35,490 Building $87,300

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

FEMA maps place 2502 N Raney St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 2502 N Raney St is low, with less than a 0.01% annual chance of 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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