300 E Grove Ave, Effingham, IL 62401 Property Records

Effingham County property record for 300 E Grove Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,889 sqft · built 1960
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Aug 2018)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2018 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-051`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-051`

Interior

Stories	1 Story
Building Area	1,889 sqft Base Area
Basement Area	1,889 sqft

Exterior

Year Built	Built 1960
Construction Type	Masonry / Concrete Block
Lot Area	23,958 sqft (0.55 acres)
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	300 E GROVE AVE
City	EFFINGHAM
State	IL
Zip	62401-3836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W 198FT LOT 4 & S 35FT OF W 255FT LOT 3 BLK 35 SURVEYOR'S ADD B 3409/70 2646/98 2346/89 2346/86 2135/128 1742/161 356/423
Legal Subdivision	SURVEYOR'S ADDITION
Legal Block	35
Legal Lot Number	4-3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3000
Census Tract	950600

Owner

Source: Effingham County records, as of August 24, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	300 E GROVE AVE, EFFINGHAM, IL 62401-3836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Aug 27, 2018	Warranty Deed, Construction Loan · Construction Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	201801803490
Deed Book / Page	3409 / 070
Record Updated	Jun 7, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	300 E GROVE AVE, EFFINGHAM, IL 62401-3836
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003496/140
Date	Sep 13, 2019
Book Page	3496/140
Instrument	201901903664

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	1.14%

August 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 27, 2018
Property Address	300 E GROVE AVE, EFFINGHAM, IL 62401-3836
Document Number	003409/070
Book / Page	3409 / 070
Instrument Date	Aug 24, 2018
Instrument	201801803490
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12264 N 1450TH ST, EFFINGHAM, IL 62401-4930

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	106 E HAWTHORNE DR, EFFINGHAM, IL 62401-4130

Mortgage

Document Number	201801803491
Date	Aug 27, 2018
Instrument	201801803491

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	May 25, 2019

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	Homeowner's exemption Senior Citizen's exemption	$77,360 Land $9,900 Building $67,460	$232,080 Land $29,700 Building $202,380

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

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	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 349 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 · Fiber in parts of the area	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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