Effingham County property record for 2505 Culpepper St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,378 sqft · built 1974 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,030 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-172-018 |
| Primary APN | 03-11-172-018 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,378 sqft Base Area |
| 1st Floor Area | 1,378 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2505 CULPEPPER ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK 1 SHENANDOAH SUB ADD A 3097/155 2333/129 1980/141 1374/284 1108/267 916/274 |
| Legal Subdivision | SHENANDOAH SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 950700 |
2505 Culpepper St is owned and occupied by an individual who acquired it in February 2015.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2505 CULPEPPER ST, EFFINGHAM, IL 62401-4503 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2015 |
| Deed Sale | Feb 18, 2015 |
| Prior Sale | Jul 16, 2007 · Amount on File |
| Deed Document Number | 20151500587 |
| Deed Book / Page | 3097 / 155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2505 CULPEPPER ST, EFFINGHAM, IL 62401-4503 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2505 CULPEPPER ST, EFFINGHAM, IL 62401-4503 |
| Document Number | 202525003584 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 202525003584 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2114 E ACHIEVE WAY, TEMPE, AZ 85288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2035 |
| Rate | 8.61% |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2505 Culpepper St was $3,030 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 | $3,030.00 | $59,790 Land $12,450 Building $47,340 | $179,370 Land $37,350 Building $142,020 |
| 2022 | $2,592.00 Homeowner's exemption | $45,340 Land $9,440 Building $35,900 | $136,020 Land $28,320 Building $107,700 |
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 2505 Culpepper St 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.
Wildfire risk around 2505 Culpepper 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.
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 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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