2802 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 2802 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	6,300 sqft · built 1983
Lot Size	1.78 acres (77,537 sqft)
Owner	Company Name on Record
Last Sale	$810,000 (May 2025)
Tax Bill	$7,165 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-009-034`

Property Details

APN / Parcel Number

Primary APN	`03-11-009-034`

Interior

Building Area	6,300 sqft Base Area
1st Floor Area	6,300 sqft
Basement Area	6,300 sqft
Unfinished Basement	6,300 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	77,537 sqft (1.78 acres)

Location & Zoning

Street Address	2802 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3073
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S 299.28FT OF N 1334.44FT OF E 258.42FT NE NE 25001446 1842/352 660/73
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1016
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	Company Name on Record
Mailing Address	PO BOX 339, EFFINGHAM, IL 62401-0339
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage ESTIGE FINANCIAL LLC
Jun 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage DENEB REAL ESTATE LLC
Aug 16, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TTL INS CO NCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Jan 2, 2003 · Amount on Record
Deed Document Number	20251446
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	3715/53
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2802 N 3RD ST, EFFINGHAM, IL 62401-3073
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6036
Investor	Possibly a Property Investor

Mortgage

Document Number	0003821/83
Date	Nov 2, 2022
Book Page	3821/83
Instrument	202222004430

Lender

Name	ESTIGE FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2802 N 3RD ST, EFFINGHAM, IL 62401-3073
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3580/294
Date	Jun 22, 2020
Book Page	3580/294
Instrument	202020003306

Lender

Name	DENEB REAL ESTATE LLC
Type	Non-Lending Institution
Address	SIOUX FALLS, SD 57108

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 16, 2021
Property Address	2802 N 3RD ST, EFFINGHAM, IL 62401-3073
Document Number	3715/53
Book / Page	3715 / 53
Instrument Date	Dec 28, 2020
Instrument	202121004129
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMER TTL INS CO NCS

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 W COLLEGE DR, MARSHALL, MN 56258-1747
Investor	Possibly a Property Investor

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	$7,165.00 (-8.15%)	$127,190 (+1%) Land $29,920 Building $97,270	$381,570 (+1%) Land $89,760 Building $291,810
2024	$7,801.00 (+21%)	$115,630 (+19.9%) Land $27,200 Building $88,430	$346,890 (+19.9%) Land $81,600 Building $265,290
2022	$6,447.00	$96,440 Land $22,690 Building $73,750	$289,320 Land $68,070 Building $221,250

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Policies	1 in force

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 98% of the US · lower than 86% 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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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