307 Austin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 307 Austin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 978 sqft · built 1953
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Apr 2019)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-056-068`

Property Details

APN / Parcel Number

Primary APN	`03-16-056-068`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	978 sqft Base Area
1st Floor Area	978 sqft
Basement Area	978 sqft
Unfinished Basement	978 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	307 AUSTIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 & W 12.5FT LOT 35 SPRING GARDEN SUB 3459/80 1410/231 1168/338 530/290
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	34,W,12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3016
Census Tract	950600

Owner

307 Austin Ave is owned and occupied by two individuals who bought it in April 2019.

Source: Effingham County records, as of October 5, 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	2 Individual Names on File
Mailing Address	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 17, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jul 23, 2018	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Feb 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on File
Deed Sale	Apr 17, 2019 · Amount on File
Deed Document Number	20191901309
Deed Book / Page	3459 / 80
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3600/304
Date	Aug 17, 2020
Book Page	3600/304
Instrument	202020004495

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 17, 2019
Property Address	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Document Number	3459/080
Book / Page	3459 / 080
Map Reference	MB 1 PG 1
Instrument Date	Apr 16, 2019
Instrument	201901901309
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.25
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	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707

Mortgage

Document Number	201901901310
Date	Apr 17, 2019
Instrument	201901901310

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3401/160
Date	Jul 23, 2018
Book Page	3401/160
Instrument	201801802993

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Aug 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Transaction Type	Mortgage
Record Updated	Mar 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3366/138
Date	Feb 16, 2018
Book Page	3366/138
Instrument	201801800571

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	162 Months
Due	Aug 15, 2031

Interest

Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 307 Austin Ave was $2,506 with a homeowner's exemption.

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	$2,506.00	$50,420 Land $20,310 Building $30,110	$151,260 Land $60,930 Building $90,330
2022	$2,119.00 Homeowner's exemption	$38,220 Land $15,390 Building $22,830	$114,660 Land $46,170 Building $68,490

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

FEMA maps place 307 Austin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 307 Austin Ave is low, with a 0.01% annual chance of 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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