3010 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 3010 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	9,045 sqft · built 1978
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on Record
Last Sale	$4,821,000 (Oct 2026)
Tax Bill	$15,539 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-12-003-020`

Property Details

APN / Parcel Number

Primary APN	`12-12-003-020`

Interior

Building Area	9,045 sqft Base Area
1st Floor Area	9,045 sqft
Basement Area	9,045 sqft
Unfinished Basement	9,045 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	261,360 sqft (6 acres)

Location & Zoning

Street Address	3010 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-5105
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT NW SW 24001725 3068/70 2359/345 1252/337 576/112
Jurisdiction	EFFINGHAM IL
Township / Civil Division	TEUTOPOLIS
Census Block Group	1
Census Block	1006
Census Tract	950600

Owner

Source: Effingham County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15515 N COUNTY ROAD 1325TH ST, EFFINGHAM, IL 62401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage FARM CREDIT
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT/VIRGINIAS FLCA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	Jun 5, 2024 · Amount on Record
Deed Document Number	20263797
Prior Transfer Date	Oct 24, 2007
Prior Transfer Doc	002359/345
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 2, 2026
Property Address	3010 N 3RD ST, EFFINGHAM, IL 62401-5105
Document Number	0000003797
Instrument Date	Oct 1, 2026
Instrument	20263797
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243,460.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003798,
Date	Oct 2, 2026
Instrument	20263798

Lender

Name	FARM CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2047

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	May 14, 2026
Property Address	3010 N 3RD ST, EFFINGHAM, IL 62401-5105
Document Number	0000001748
Instrument Date	May 12, 2026
Instrument	20261748
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	784 US ROUTE 45, NEOGA, IL 62447-2713

Mortgage

Document Number	0000001748,
Date	May 14, 2026
Instrument	20261748

Lender

Name	FARM CREDIT/VIRGINIAS FLCA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Jun 1, 2039

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Teutopolis Township
Municipality	Effingham City
Unified School District	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,539.00 (-15.68%)	$283,330 (+2.43%) Land $121,510 Building $161,820	$849,990 (+2.43%) Land $364,530 Building $485,460
2024	$18,429.00 (+24.01%)	$276,610 (+21.55%) Land $110,460 Building $166,150	$829,830 (+21.55%) Land $331,380 Building $498,450
2022	$14,861.00	$227,560 Land $90,870 Building $136,690	$682,680 Land $272,610 Building $410,070

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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 14 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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