306 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 306 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	988 sqft · built 1917
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Oct 2023)
Tax Bill	$3,516 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-037-060`

Property Details

APN / Parcel Number

Primary APN	`03-16-037-060`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	988 sqft Base Area
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	23,087 sqft (0.53 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	306 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EBS SUB #2 23003262 1628/283 1432/295 1416/228 1371/297 955/244
Legal Subdivision	EBS SUB
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2001
Census Tract	950800

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	310 S 3RD ST, EFFINGHAM, IL 62401-3708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK
Feb 23, 2022	Deed of Trust, Mortgage CROSSROADS BANK
Oct 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage CROSSROADS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Deed Document Number	20233262
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 10, 2023
Property Address	306 S 3RD ST, EFFINGHAM, IL 62401-3708
Document Number	202323003262
Map Reference	MB 3484 PG 70
Instrument Date	Oct 4, 2023
Instrument	202323003262
Transaction Type	Transfer
Record Updated	Jan 9, 2024
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	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 S 3RD ST, EFFINGHAM, IL 62401-3708

Mortgage

Document Number	202323003263
Date	Oct 10, 2023
Instrument	202323003263

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate	8.53%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	306 S 3RD ST, EFFINGHAM, IL 62401-3708
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00003764/5
Date	Feb 23, 2022
Book Page	3764/5
Instrument	202222000800

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Amount	Amount Recorded
Term	52 Months
Due	Jun 1, 2026

Interest

Rate	4%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	306 S 3RD ST, EFFINGHAM, IL 62401-3708
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3735/173
Date	Oct 29, 2021
Book Page	3735/173
Instrument	202121005366

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	56 Months
Due	Jun 1, 2026

Interest

Rate Type	Fixed Rate
Rate	4%

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	$3,516.00	$68,330 (+31.91%) Land $28,070 Building $40,260	$204,990 (+31.91%) Land $84,210 Building $120,780
2022		$51,800 Land $21,280 Building $30,520	$155,400 Land $63,840 Building $91,560

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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