Effingham County property record for 401 S 3rd St, Altamont, IL 62411
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,350 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,932 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-17-019-059 |
| Primary APN | 09-17-019-059 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,350 sqft Base Area |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 486 sqft |
| Unfinished Basement | 486 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 6,534 sqft (0.15 acres) |
| Street Address | 401 S 3RD ST |
|---|---|
| City | ALTAMONT |
| State | IL |
| Zip | 62411-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N1/2 SUB LOT 1 OF LOT 9 NE 570/107 |
| Legal Lot Number | 9 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | MOUND |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 950300 |
401 S 3rd St, a single family home, is owned by two individuals.
Source: Effingham County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1019 CHURCH ST, XENIA, IL 62899-1252 |
| 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.
| Date | Document |
|---|---|
| Dec 6, 2023 | Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK |
| May 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF BEECHER CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 401 S 3RD ST, ALTAMONT, IL 62411-1109 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 401 S 3RD ST, ALTAMONT, IL 62411-1109 |
| Document Number | 202323004000 |
|---|---|
| Date | Dec 6, 2023 |
| Instrument | 202323004000 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 30, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.5% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 401 S 3RD ST, ALTAMONT, IL 62411-1109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3566/294 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 3566/294 |
| Instrument | 202020002529 |
| Name | FIRST STATE BANK OF BEECHER CITY |
|---|---|
| Type | Bank |
| Address | BEECHER CITY, IL 62414 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Jun 8, 2025 |
The 2025 property tax bill for 401 S 3rd St was $1,932, up 89% from the year before.
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Altamont City |
| County | Effingham County |
| County Subdivision | Mound Township |
| Unified School District | Altamont Community Unit School District 10 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,932.00 (+89.04%) Homeowner's exemption Senior Citizen's exemption | $28,520 (+10.03%) Land $3,030 Building $25,490 | $85,560 (+10.03%) Land $9,090 Building $76,470 |
| 2024 | $1,022.00 | $25,920 Land $2,750 Building $23,170 | $77,760 Land $8,250 Building $69,510 |
| 2022 | $967.00 Homeowner's exemption Senior Citizen's exemption | $21,420 Land $2,270 Building $19,150 | $64,260 Land $6,810 Building $57,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 S 3rd St in Zone X, an area of minimal flood risk.
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 Policies | 2 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.
The area around 401 S 3rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ALTAMONT serves 2,610 people · EPA ID IL0490050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | EJ WATER COOPERATIVE |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Jul 2023 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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