307 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 307 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	5,756 sqft · built 1975
Lot Size	0.38 acres (16,553 sqft)
Owner	Company Name on Record
Last Sale	$642,000 (Mar 2018)
Tax Bill	$13,362 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-019-023`

Property Details

APN / Parcel Number

Primary APN	`03-16-019-023`

Interior

Building Area	5,756 sqft Base Area
1st Floor Area	5,756 sqft
Basement Area	5,756 sqft
Unfinished Basement	5,756 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	16,553 sqft (0.38 acres)

Location & Zoning

Street Address	307 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3467
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	125FT LYING S OF AND ADJACENT TO LOTS 1 & 2 BLK 18 ALEXANDER & LITTLE'S NORTH ADDN 3369/180 1372/250 1372/248 1372/246 1320/2
Legal Subdivision	ALEXANDER & LITTLE'S NORTH ADDITION
Legal Block	18
Legal Lot Number	1-2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1021
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	Company Name on Record
Mailing Address	307 N 3RD ST, EFFINGHAM, IL 62401-3467
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF BROWNSTOWN
Sep 1, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF BROWNSTOWN
Mar 9, 2018	Deed, Transfer · Line of Credit FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Deed Document Number	20181800806
Deed Book / Page	3369 / 180
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 N 3RD ST, EFFINGHAM, IL 62401-3467
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 S 7TH ST, VANDALIA, IL 62471-2731

Mortgage

Document Number	202424000397
Date	Feb 7, 2024
Instrument	202424000397

Lender

Name	THE FIRST NATIONAL BANK OF BROWNSTOWN
Type	Bank
Address	BROWNSTOWN, IL 62418

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	307 N 3RD ST, EFFINGHAM, IL 62401-3467
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 S 7TH ST, VANDALIA, IL 62471-2731

Mortgage

Document Number	003719/332
Date	Sep 1, 2021
Book Page	3719/332
Instrument	202121004409

Lender

Name	FIRST NATIONAL BANK OF BROWNSTOWN
Address	BROWNSTOWN, IL 62418

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Sep 10, 2027

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 9, 2018
Property Address	307 N 3RD ST, EFFINGHAM, IL 62401-3467
Document Number	003369/180
Book / Page	3369 / 180
Instrument Date	Mar 8, 2018
Instrument	201801800806
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$963.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1201 NETWORK CENTRE DR, 1201, EFFINGHAM, IL 62401-4677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 N 3RD ST, EFFINGHAM, IL 62401-3467

Mortgage

Document Number	003369/184
Date	Mar 9, 2018
Book Page	3369/184
Instrument	201801800807

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	BROWNSTOWN, IL 62418

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	3.6%

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	$13,362.00	$236,840 Land $43,400 Building $193,440	$710,520 Land $130,200 Building $580,320

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 · 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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