401 S Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 401 S Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 960 sqft · built 1967
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Oct 2019)
Tax Bill	$2,893 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-033-034`

Property Details

APN / Parcel Number

Primary APN	`03-16-033-034`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Base Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	401 S CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-1925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 2 ADD A TO C TO WESTERN 3508/329 2018/323
Legal Subdivision	NORTHMORE HEIGHTS ADDITION C
Legal Block	2
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2016
Census Tract	950800

Owner

401 S Cherry St is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	401 S CHERRY ST, EFFINGHAM, IL 62401-1925
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
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK
Oct 30, 2019	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK
Oct 7, 2019	Warranty Deed, Transfer · Commercial Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Oct 7, 2019 · Amount on File
Deed Document Number	20191904429
Deed Book / Page	3508 / 329
Prior Transfer Date	Apr 15, 2004
Prior Transfer Doc	0020402253
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	401 S CHERRY ST, EFFINGHAM, IL 62401-1925
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003540/289
Date	Mar 12, 2020
Book Page	3540/289
Instrument	202020001085

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 30, 2019
Property Address	401 S CHERRY ST, EFFINGHAM, IL 62401-1925
Document Number	3508/329
Book / Page	3508 / 329
Map Reference	MB 29 PG 41&122
Instrument Date	Oct 25, 2019
Instrument	201901904429
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S CHERRY ST, EFFINGHAM, IL 62401-1925

Mortgage

Document Number	201901904430
Date	Oct 30, 2019
Instrument	201901904430

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 7, 2019
Property Address	401 S CHERRY ST, EFFINGHAM, IL 62401-1925
Document Number	3502/312
Book / Page	3502 / 312
Map Reference	MB 7 PG 57
Instrument Date	Oct 4, 2019
Instrument	201901904048
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
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	1009 W EVERGREEN AVE, EFFINGHAM, IL 62401-1709

Mortgage

Document Number	201901904049
Date	Oct 7, 2019
Instrument	201901904049

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate	3.44%

Tax Assessment & Valuation

The 2025 property tax bill for 401 S Cherry St was $2,893 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	$2,893.00	$57,280 Land $7,870 Building $49,410	$171,840 Land $23,610 Building $148,230
2022	$2,102.00 Homeowner's exemption	$43,430 Land $5,960 Building $37,470	$130,290 Land $17,880 Building $112,410

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 401 S Cherry St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 401 S 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: AT&T, Wabash Communications, Wisper ISP.

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