303 W Eiche Ave, Effingham, IL 62401 Property Records

Effingham County property record for 303 W Eiche Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	720 sqft · built 1925
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (Nov 2025)
Tax Bill	$1,448 (2024)
Deeds & Mortgages	Sep 2009 Mortgage Aug 2016 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-056-050`

Property Details

APN / Parcel Number

Primary APN	`03-16-056-050`

Interior

Stories	2 Stories
Building Area	720 sqft Base Area
Basement Area	720 sqft

Exterior

Year Built	Built 1925
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	303 W EICHE AVE
City	EFFINGHAM
State	IL
Zip	62401-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOT 15 SPRING GARDEN SUB 3411/22 2561/119 1977/181 1022/289
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	15
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3015
Census Tract	950600

Owner

Source: Effingham County records, as of November 24, 2025

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	303 W EICHE AVE, EFFINGHAM, IL 62401-2726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2009	Deed of Trust, Mortgage WASHINGTON SAVINGS BANK
Aug 8, 2016	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Nov 7, 2025	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 4, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Sep 4, 2018 · Amount on Record
Deed Document Number	202525004020
Record Updated	Jun 8, 2026

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002561/122
Date	Sep 11, 2009
Book Page	2561/122
Instrument	200900906076

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2039

Interest

Rate Type	Adjustable Rate

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003230/232
Date	Aug 8, 2016
Book Page	3230/232
Instrument	201601603543

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 3, 2036

Interest

Rate Type	Adjustable Rate
Rate	1.1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 7, 2025
Property Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726
Document Number	202525004020
Instrument Date	Nov 6, 2025
Instrument	202525004020
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726

Mortgage

Document Number	202525004021
Date	Nov 7, 2025
Instrument	202525004021

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 4, 2018
Property Address	303 W EICHE AVE, EFFINGHAM, IL 62401-2726
Document Number	3411/022
Book / Page	3411 / 022
Instrument Date	Aug 31, 2018
Instrument	201801803626
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
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	303 W EICHE AVE, EFFINGHAM, IL 62401-2726

Mortgage

Document Number	201801803627
Date	Sep 4, 2018
Instrument	201801803627

Lender

Name	FIRST MID BANK & TRUST NA
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2038

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2024

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
2024	$1,448.00 (-5.42%) Homeowner's exemption	$27,440 (+19.88%) Land $7,400 Building $20,040	$82,320 (+19.88%) Land $22,200 Building $60,120
2022	$1,531.00 Homeowner's exemption	$22,890 Land $6,170 Building $16,720	$68,670 Land $18,510 Building $50,160

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 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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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