2709 Ridgeway St, Effingham, IL 62401 Property Records

Effingham County property record for 2709 Ridgeway St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 780 sqft · built 1994
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Aug 2021)
Tax Bill	$5,696 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-333-020`

Property Details

APN / Parcel Number

Primary APN	`03-11-333-020`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	780 sqft Base Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2709 RIDGEWAY ST
City	EFFINGHAM
State	IL
Zip	62401-4905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 SOUTHWIND ADD 1 3718/136 3586/105 3531/344 3528/216 3030/207 2178/280 2097/176 1848/135 1086/144
Legal Subdivision	SOUTHWIND ADDITION
Legal Lot Number	20
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3020
Census Tract	950600

Owner

2709 Ridgeway St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
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
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Feb 3, 2020	Special Warranty Deed, Construction Loan · Construction Mortgage TEUTOPOLIS STATE BANK
Jan 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 2, 2018	Warranty Deed, Transfer · Closed-End Mortgage THE FIRST NATIONAL BANK OF HEBBRONV
Jan 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Prior Sale	Jul 7, 2020 · Amount on File
Deed Document Number	202121004306
Deed Book / Page	3718 / 136
Prior Transfer Date	Jan 9, 2020
Prior Transfer Doc	3528/216
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 24, 2021
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3718/136
Book / Page	3718 / 136
Map Reference	MB 944 PG 21 PL161-C
Instrument Date	Aug 16, 2021
Instrument	202121004306
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905

Mortgage

Document Number	202121004307
Date	Aug 24, 2021
Instrument	202121004307

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 7, 2020
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3586/105
Book / Page	3586 / 105
Map Reference	MB 944 PG 21
Instrument Date	Jul 1, 2020
Instrument	202020003625
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
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	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905

Mortgage

Document Number	202020003626
Date	Jul 7, 2020
Instrument	202020003626

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

February 2020: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 3, 2020
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3531/344
Book / Page	3531 / 344
Map Reference	MB 944 PG 21
Instrument Date	Jan 27, 2020
Instrument	202020000504
Transaction Type	Construction Loan
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 NW 4TH ST, 18, EVANSVILLE, IN 47708-1778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 E MOUNT VERNON AVE, EFFINGHAM, IL 62401-4919

Mortgage

Document Number	202020000505
Date	Feb 3, 2020
Instrument	202020000505

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	5 Months
Due	Jul 29, 2020

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 21, 2020
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3528/216
Book / Page	3528 / 216
Instrument Date	Jan 9, 2020
Instrument	202020000299
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 SINGLETON RD, 126, MOORESVILLE, NC 28117-6901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1347, EVANSVILLE, IN 47706-1347

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 2, 2018
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Document Number	3374/065
Book / Page	3374 / 065
Map Reference	PL 161-C MB 944 PG 2
Instrument Date	Mar 29, 2018
Instrument	201801801132
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905

Mortgage

Document Number	201801801133
Date	Apr 2, 2018
Instrument	201801801133

Lender

Name	THE FIRST NATIONAL BANK OF HEBBRONV
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 29, 2048

Interest

Rate	4.99%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2709 RIDGEWAY ST, EFFINGHAM, IL 62401-4905
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201801800243
Date	Jan 19, 2018
Book Page	3361/135
Instrument	201801800243

Lender

Name	UNITED FIDELITY BANK FSB
Type	Bank
Address	EVANSVILLE, IN 47708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 2709 Ridgeway St was $5,696 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	$5,696.00	$107,110 Land $15,850 Building $91,260	$321,330 Land $47,550 Building $273,780
2022	$4,216.00 Homeowner's exemption	$81,210 Land $12,020 Building $69,190	$243,630 Land $36,060 Building $207,570

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 2709 Ridgeway St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 2709 Ridgeway St is low, with 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 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 128 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

2709 Ridgeway St, Effingham, IL 62401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Special Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Ridgeway St

Nearby Streets

Search Property Records by Address or Parcel Number