308 E Kreke Ave, Effingham, IL 62401 Property Records

Effingham County property record for 308 E Kreke Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 653 sqft · built 1928
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$367,500 (May 2026)
Tax Bill	$1,390 (2025)
Deeds & Mortgages	Mar 2018 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-051`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-051`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	653 sqft Base Area
1st Floor Area	653 sqft
Basement Area	653 sqft
Unfinished Basement	653 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Street Address	308 E KREKE AVE
City	EFFINGHAM
State	IL
Zip	62401-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 B T PETTY'S SUB AND W 73FT OF REPLAT OF LOTS 2,3,4,5 & 8 OF BT PETTY'S SUB 25002471 24004195 24000404 2078/186 2078/183
Legal Subdivision	PETTY'S SUBDIVISION
Legal Lot Number	6-8
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3009
Census Tract	950600

Owner

308 E Kreke Ave is owned by an individual who bought it in May 2026.

Source: Effingham County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	15641 E 7 OAKS CIR, EFFINGHAM, IL 62401-7173
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage ACT
Mar 29, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Jul 16, 2025 · Amount on File
Deed Document Number	20261957
Prior Transfer Date	Dec 9, 2024
Prior Transfer Doc	0000004195
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	308 E KREKE AVE, EFFINGHAM, IL 62401-4015
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003373/167
Date	Mar 29, 2018
Book Page	3373/167
Instrument	201801801080

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 28, 2026
Property Address	308 E KREKE AVE, EFFINGHAM, IL 62401-4015
Document Number	0000001957
Instrument Date	May 21, 2026
Instrument	20261957
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	ACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,558.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15641 E 7 OAKS CIR, EFFINGHAM, IL 62401-7173

Mortgage

Document Number	0000001958,
Date	May 28, 2026
Instrument	20261958

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	308 E KREKE AVE, EFFINGHAM, IL 62401-4015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3373/167
Date	Mar 29, 2018
Book Page	3373/167
Instrument	201801801080

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 308 E Kreke Ave was $1,390, down 8.1% from the year before.

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	$1,390.00 (-8.13%)	$24,650 (+1%) Land $13,790 Building $10,860	$73,950 (+1%) Land $41,370 Building $32,580
2024	$1,513.00	$22,410 Land $12,540 Building $9,870	$67,230 Land $37,620 Building $29,610
2022	$280.00 Homeowner's exemption Senior Citizen's exemption	$18,690 Land $10,460 Building $8,230	$56,070 Land $31,380 Building $24,690

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 308 E Kreke Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 308 E Kreke 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	Direct burnable vegetation

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 146 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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