2703 Ridgeway St, Effingham, IL 62401 Property Records

Effingham County property record for 2703 Ridgeway St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 890 sqft · built 1995
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,768 (2025)
Deeds & Mortgages	Sep 2021 Transfer Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-333-017`

Property Details

APN / Parcel Number

Primary APN	`03-11-333-017`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	890 sqft Base Area
1st Floor Area	890 sqft
Basement Area	890 sqft
Unfinished Basement	890 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	16,117 sqft (0.37 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2703 RIDGEWAY ST
City	EFFINGHAM
State	IL
Zip	62401-4905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 SOUTHWIND SUB ADD 1 3724/274 2634/257 2094/347 1195/320 1173/268
Legal Subdivision	SOUTHWIND SUBDIVISION
Legal Lot Number	17
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3020
Census Tract	950600

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	2703 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 25, 2019	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 10, 2021
Transfer Doc	3724/274
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 17, 2021
Property Address	2703 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3724/274
Book / Page	3724 / 274
Map Reference	MB 1 PG 16
Instrument Date	Sep 10, 2021
Instrument	202121004680
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2703 RIDGEWAY ST, EFFINGHAM, IL 62401-4905

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2703 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Transaction Type	Mortgage
Record Updated	Jul 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3475/110
Date	Jun 25, 2019
Book Page	3475/110
Instrument	201901902336

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 22, 2026

Interest

Rate	5.75%

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	$5,768.00 (-7.62%) Homeowner's exemption	$108,390 (+1%) Land $15,100 Building $93,290	$325,170 (+1%) Land $45,300 Building $279,870
2024	$6,244.00 (+22.67%)	$98,540 (+19.91%) Land $13,730 Building $84,810	$295,620 (+19.91%) Land $41,190 Building $254,430
2022	$5,090.00 Homeowner's exemption Additional exemption filed	$82,180 Land $11,450 Building $70,730	$246,540 Land $34,350 Building $212,190

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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