304 E Grove Ave, Effingham, IL 62401 Property Records

Effingham County property record for 304 E Grove Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,230 sqft · built 1957
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-043`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-043`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,230 sqft Base Area
1st Floor Area	1,230 sqft
Basement Area	1,230 sqft
Unfinished Basement	1,230 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Masonry / Concrete Block
Lot Area	22,216 sqft (0.51 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	304 E GROVE AVE
City	EFFINGHAM
State	IL
Zip	62401-3836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 70FT OF E 105FT LOT 3 & PT E 182FT OF N 82FT LOT 4 BLK 35 SURVEYOR'S ADD B 3507/177 1046/39-43
Legal Subdivision	SURVEYOR'S ADDITION
Legal Block	35
Legal Lot Number	3-4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3000
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	Individual Name on Record
Mailing Address	304 E GROVE AVE, EFFINGHAM, IL 62401-3836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Oct 25, 2019	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 24, 2019
Transfer Doc	3507/177
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 3, 2021
Property Address	304 E GROVE AVE, EFFINGHAM, IL 62401-3836
Document Number	3711/219
Book / Page	3711 / 219
Map Reference	MB 29 PG 92
Instrument Date	Jul 30, 2021
Instrument	202121003904
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E GROVE AVE, EFFINGHAM, IL 62401-3836

Mortgage

Document Number	202121003905
Date	Aug 3, 2021
Instrument	202121003905

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

Interest

Rate	2.62%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 25, 2019
Property Address	304 E GROVE AVE, EFFINGHAM, IL 62401-3836
Document Number	3507/177
Book / Page	3507 / 177
Instrument Date	Oct 24, 2019
Instrument	201901904341
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E GROVE AVE, EFFINGHAM, IL 62401-3836

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	$3,121.00 (-7.11%) Homeowner's exemption	$61,320 (+10.01%) Land $13,060 Building $48,260	$183,960 (+10.01%) Land $39,180 Building $144,780
2024	$3,360.00 (+25.7%)	$55,740 (+19.9%) Land $11,870 Building $43,870	$167,220 (+19.9%) Land $35,610 Building $131,610
2022	$2,673.00 Homeowner's exemption	$46,490 Land $9,900 Building $36,590	$139,470 Land $29,700 Building $109,770

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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