309 N Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 309 N Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 832 sqft · built 1947
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jul 2021)
Tax Bill	$1,848 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-017-041`

Property Details

APN / Parcel Number

Primary APN	`03-16-017-041`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Base Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 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)

Location & Zoning

Street Address	309 N CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOT 1 & E 5FT N 1/2 LOT 2 BLK 17 KEPLEY'S ADD 3704/1 3614/59 2207/1 648/205
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

309 N Cherry St is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	309 N CHERRY ST, EFFINGHAM, IL 62401-2016
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK
Sep 24, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Sep 24, 2020 · Amount on File
Deed Document Number	202121003471
Deed Book / Page	3704 / 1
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 9, 2021
Property Address	309 N CHERRY ST, EFFINGHAM, IL 62401-2016
Document Number	3704/1
Book / Page	3704 / 1
Map Reference	PL 29 PG 104
Instrument Date	Jul 8, 2021
Instrument	202121003471
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N CHERRY ST, EFFINGHAM, IL 62401-2016

Mortgage

Document Number	202121003472
Date	Jul 9, 2021
Instrument	202121003472

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 24, 2020
Property Address	309 N CHERRY ST, EFFINGHAM, IL 62401-2016
Document Number	3614/59
Book / Page	3614 / 59
Map Reference	MB 29 PG 104
Instrument Date	Sep 22, 2020
Instrument	202020005297
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.50
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	309 N CHERRY ST, EFFINGHAM, IL 62401-2016
Investor	Possibly a Property Investor

Mortgage

Document Number	202020005298
Date	Sep 24, 2020
Instrument	202020005298

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 309 N Cherry St was $1,848 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	$1,848.00	$38,760 Land $4,960 Building $33,800	$116,280 Land $14,880 Building $101,400
2022	$1,528.00 Homeowner's exemption	$29,390 Land $3,760 Building $25,630	$88,170 Land $11,280 Building $76,890

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 309 N Cherry St 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 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

The area around 309 N Cherry St has no burnable land within ember reach, so its wildfire risk is not rated.

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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