321 Austin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 321 Austin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,504 sqft · built 1955
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$756,000 (Jan 2024)
Tax Bill	$5,059 (2025)
Deeds & Mortgages	Jan 2024 Sale Feb 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-056-073`

Property Details

APN / Parcel Number

Primary APN	`03-16-056-073`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,504 sqft Base Area
1st Floor Area	1,504 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,224 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	321 AUSTIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 27 & ALL LOTS 28 & 29 SPRING GARDEN SUB 24000044 3487/294 795/230
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	27-29
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3016
Census Tract	950600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 4, 2022	Deed of Trust, Mortgage · Construction Mortgage CROSSROADS BANK
Aug 12, 2019	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on Record
Deed Sale	Jan 3, 2024 · Amount on Record
Deed Document Number	202444
Prior Transfer Date	Aug 12, 2019
Prior Transfer Doc	3487/294
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 3, 2024
Property Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Document Number	202424000044
Map Reference	PL 1 PG 1
Instrument Date	Dec 22, 2023
Instrument	202424000044
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003759/218
Date	Feb 4, 2022
Book Page	3759/218
Instrument	202222000527

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 15, 2027

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 12, 2019
Property Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707
Document Number	3487/294
Book / Page	3487 / 294
Map Reference	MB 1 PG 1
Instrument Date	Aug 12, 2019
Instrument	201901903133
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 AUSTIN AVE, EFFINGHAM, IL 62401-2707

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	$5,059.00 (-7.51%) Homeowner's exemption	$95,670 (+1%) Land $34,170 Building $61,500	$287,010 (+1%) Land $102,510 Building $184,500
2024	$5,470.00 (+60.74%)	$86,970 (+19.89%) Land $31,060 Building $55,910	$260,910 (+19.89%) Land $93,180 Building $167,730
2022	$3,403.00 Homeowner's exemption Senior Citizen's exemption	$72,540 Land $25,910 Building $46,630	$217,620 Land $77,730 Building $139,890

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 (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

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	None beyond 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 85 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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