Effingham County property record for 400 E Washington Ave, Effingham, IL 62401
| Property Type | Commercial |
|---|---|
| Details | 5,510 sqft |
| Lot Size | 0.489 acres (21,344 sqft) |
| Owner | Company Name on File |
| Tax Bill | $20,204 (2022) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-026-070 |
| Primary APN | 03-16-026-070 |
|---|
| Building Area | 5,510 sqft Base Area |
|---|
| Lot Area | 21,344 sqft (0.489 acres) |
|---|
| Street Address | 400 E WASHINGTON AVE |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3487 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 1 FIRST STREET SUB 3012/325 3012/291 2998/71 2905/101 2417/356 2417/352 1774/215 1011/138 1011/126 925/75 855/56 |
| Legal Subdivision | FIRST STREET SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950800 |
Source: Effingham County records · APN 03-16-026-070
Assessment roll updated January 1, 2022 · Last verified August 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 File |
|---|---|
| Mailing Address | 115 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 27, 2021 | Deed of Trust, Mortgage WASHINGTON SAVINGS BANK |
| Jan 27, 2021 | Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Feb 06, 2014 |
| Transfer Doc | 3012/325 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 400 E WASHINGTON AVE, EFFINGHAM, IL 62401-3487 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 115 E JEFFERSON AVE, EFFINGHAM, IL 62401-3457 |
| Document Number | 00003653/1 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 3653/1 |
| Instrument | 202121000449 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 400 E WASHINGTON AVE, EFFINGHAM, IL 62401-3487 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3653/24 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 3653/24 |
| Instrument | 202121000451 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 25, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Effingham County records · Assessment roll updated January 1, 2022 · Last verified August 2023
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $20,204.00 | $301,830 Land $24,770 Building $277,060 | $905,490 Land $74,310 Building $831,180 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Telephone Cooperative Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Consolidated Communications DSL | 500 / 75 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 349 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EFFINGHAM serves 12,252 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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