402 W Franklin Ave, Effingham, IL 62401 Property Records

Effingham County property record for 402 W Franklin Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,030 sqft · built 1990
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$75,500 (Mar 2017)
Tax Bill	$1,745 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-023-148`

Property Details

APN / Parcel Number

Primary APN	`03-16-023-148`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,030 sqft Base Area
1st Floor Area	1,030 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	402 W FRANKLIN AVE
City	EFFINGHAM
State	IL
Zip	62401-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 HAROLD BUSHUR'S FRANKLIN ST SUB 3289/3 2484/321 2318/270 2318/268 897/338
Legal Subdivision	BUSHUR'S FRANKLIN ST SUBDIVISION
Legal Lot Number	4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1027
Census Tract	950800

Owner

402 W Franklin Ave is owned and occupied by an individual who bought it in March 2017.

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 File
Mailing Address	402 W FRANKLIN AVE, EFFINGHAM, IL 62401-2330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Mar 29, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2017 · Amount on File
Deed Sale	Mar 29, 2017 · Amount on File
Prior Sale	May 18, 2007 · Amount on File
Deed Document Number	20171701395
Deed Book / Page	3289 / 3
Prior Transfer Date	Feb 12, 2009
Prior Transfer Doc	2484/321
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	402 W FRANKLIN AVE, EFFINGHAM, IL 62401-2330
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3568/55
Date	May 28, 2020
Book Page	3568/55
Instrument	202020002607

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 29, 2017
Property Address	402 W FRANKLIN AVE, EFFINGHAM, IL 62401-2330
Document Number	3289/003
Book / Page	3289 / 003
Map Reference	PL 140-A MB 868
Instrument Date	Mar 25, 2017
Instrument	201701701395
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	$113.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 W FRANKLIN AVE, EFFINGHAM, IL 62401-2330

Mortgage

Document Number	201701701396
Date	Mar 29, 2017
Instrument	201701701396

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 402 W Franklin Ave was $1,745 with a homeowner's exemption, down 6.3% from the year before.

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	$1,745.00 (-6.33%) Homeowner's exemption	$36,940 (+10.01%) Land $4,420 Building $32,520	$110,820 (+10.01%) Land $13,260 Building $97,560
2024	$1,863.00	$33,580 Land $4,020 Building $29,560	$100,740 Land $12,060 Building $88,680
2022	$1,437.00 Homeowner's exemption	$28,000 Land $3,350 Building $24,650	$84,000 Land $10,050 Building $73,950

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 402 W Franklin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

The area around 402 W Franklin Ave 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 434 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
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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