307 E Virginia Ave, Effingham, IL 62401 Property Records

Effingham County property record for 307 E Virginia Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,198 sqft · built 1937
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Apr 2024)
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-014-029`

Property Details

APN / Parcel Number

Primary APN	`03-16-014-029`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,198 sqft Base Area
1st Floor Area	1,198 sqft
Basement Area	1,198 sqft
Unfinished Basement	1,198 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	307 E VIRGINIA AVE
City	EFFINGHAM
State	IL
Zip	62401-3337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 15 ALEXANDER & LITTLE NORTH ADDN & N 1/2 VACATED ALLEY 24001270 3874/64 3839/63 3098/9 2736/181 2283/204 1829/164 1
Legal Subdivision	ALEXANDER & LITTLE NORTH ADDITION
Legal Block	15
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1009
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	2 Individual Names on Record
Mailing Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Aug 22, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 3, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Feb 3, 2023 · Amount on Record
Deed Document Number	20241270
Prior Transfer Date	Feb 17, 2015
Prior Transfer Doc	003093/009
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337

Mortgage

Document Number	202424001271
Date	Apr 23, 2024
Instrument	202424001271

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.37%

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 22, 2023
Property Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337
Document Number	0003874/64
Book / Page	3874 / 64
Instrument Date	Aug 21, 2023
Instrument	202323002697
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16766 N US HIGHWAY 45, EFFINGHAM, IL 62401

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 3, 2023
Property Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337
Document Number	0003839/63
Book / Page	3839 / 63
Map Reference	MB K PG 179
Instrument Date	Feb 1, 2023
Instrument	202323000396
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$144.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 E VIRGINIA AVE, EFFINGHAM, IL 62401-3337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14660 E 500TH AVE, WATSON, IL 62473-2406

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	$2,448.00 (-19.29%)	$49,390 (+1%) Land $13,650 Building $35,740	$148,170 (+1%) Land $40,950 Building $107,220
2024	$3,033.00 (+46.66%)	$44,900 (+19.89%) Land $12,410 Building $32,490	$134,700 (+19.89%) Land $37,230 Building $97,470
2022	$2,068.00 Homeowner's exemption	$37,450 Land $10,350 Building $27,100	$112,350 Land $31,050 Building $81,300

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 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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	Not rated no burnable land within 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 434 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
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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