400 E Jefferson Ave, Effingham, IL 62401 Property Records

Effingham County property record for 400 E Jefferson Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,566 sqft · built 1999
Lot Size	0.189 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Dec 2002)
Tax Bill	$7,286 (2022)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-026-065`

Property Details

APN / Parcel Number

Primary APN	`03-16-026-065`

Interior

Building Area	2,566 sqft Base Area
Basement Area	2,566 sqft

Exterior

Year Built	Built 1999
Lot Area	8,276 sqft (0.189 acres)

Location & Zoning

Street Address	400 E JEFFERSON AVE
City	EFFINGHAM
State	IL
Zip	62401-3453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BALDA SUB 1843/191 1387/69
Legal Subdivision	BALDA SUBDIVISION
Legal Lot Number	4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1060
Census Tract	950800

Owner

Source: Effingham County records, as of August 18, 2023

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	400 E JEFFERSON AVE, EFFINGHAM, IL 62401-3453
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO
Feb 14, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2002 · Amount on Record
Deed Sale	Dec 20, 2002 · Amount on Record
Deed Document Number	20032030245
Record Updated	Jun 7, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	400 E JEFFERSON AVE, EFFINGHAM, IL 62401-3453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3642/352
Date	Dec 22, 2020
Book Page	3642/352
Instrument	202020007047

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	400 E JEFFERSON AVE, EFFINGHAM, IL 62401-3453
Transaction Type	Mortgage
Record Updated	Mar 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3448/093
Date	Feb 14, 2019
Book Page	3448/093
Instrument	201901900582

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$7,286.00	$108,830 Land $16,200 Building $92,630	$326,490 Land $48,600 Building $277,890

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

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	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 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 349 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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