307 N Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 307 N Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 780 sqft · built 1947
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$109,000 (Aug 2023)
Tax Bill	$1,678 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-16-017-075`

Property Details

APN / Parcel Number

Primary APN	`03-16-017-075`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Base Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	307 N CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 LOT 1 & E 5FT S 1/2 LOT 2 BLK 17 KEPLEY'S ADD 3873/123 3851/178 3761/119 3151/29 3136/1 1512/310 1170/242 1170/240 1123
Legal Subdivision	KEPLEY'S ADDITION
Legal Block	17
Legal Lot Number	1-2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2040
Census Tract	950700

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	8844 E 1075TH AVE, EFFINGHAM, IL 62401-6502
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Warranty Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK
Apr 20, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	Jan 11, 2000 · Amount on Record
Deed Document Number	20232646
Deed Book / Page	3873 / 123
Prior Transfer Date	Apr 19, 2023
Prior Transfer Doc	003851/178
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 17, 2023
Property Address	307 N CHERRY ST, EFFINGHAM, IL 62401-2016
Document Number	003873/123
Book / Page	3873 / 123
Map Reference	MB 29 PG 104
Instrument Date	Aug 17, 2023
Instrument	202323002646
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8844 E 1075TH AVE, EFFINGHAM, IL 62401-6502

Mortgage

Document Number	202323002647
Date	Aug 17, 2023
Instrument	202323002647

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2043

Interest

Rate Type	Adjustable Rate
Rate	4.04%

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 20, 2023
Property Address	307 N CHERRY ST, EFFINGHAM, IL 62401-2016
Document Number	003851/178
Book / Page	3851 / 178
Instrument Date	Apr 19, 2023
Instrument	202323001231
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 N KOESTER DR, EFFINGHAM, IL 62401-1722

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	$1,678.00 (-8.16%)	$29,750 (+9.98%) Land $4,960 Building $24,790	$89,250 (+9.98%) Land $14,880 Building $74,370
2024	$1,827.00 (+21.07%)	$27,050 (+19.9%) Land $4,510 Building $22,540	$81,150 (+19.9%) Land $13,530 Building $67,620
2022	$1,509.00	$22,560 Land $3,760 Building $18,800	$67,680 Land $11,280 Building $56,400

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 Policies	1 in force

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 244 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

May also be available: Wisper ISP.

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