404 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 404 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	13,696 sqft
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Dec 2020)
Deeds & Mortgages	Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-037-059`

Property Details

APN / Parcel Number

Primary APN	`03-16-037-059`

Interior

Building Area	13,696 sqft Base Area

Exterior

Lot Area	56,192 sqft (1.29 acres)

Location & Zoning

Street Address	404 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 1 EASTLAND APARTMENTS 3640/170 3473/25 3400/1 3246/256 1580/94 1432/293 1416/228 1371/297 955/244
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2001
Census Tract	950800

Owner

Source: Effingham County records · APN 03-16-037-059

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	Individual Name on File
Mailing Address	611 W JEFFERSON AVE, EFFINGHAM, IL 62401-2362
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Deed Document Number	202020006889
Record Updated	Jun 07, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	404 S 3RD ST, EFFINGHAM, IL 62401-3710
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3726/47
Date	Sep 22, 2021
Book Page	3726/47
Instrument	202121004774

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 10, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Assessed Value	Assessed Market Value
2022	$455,500 Land $27,210 Building $428,290	$1,366,500 Land $81,630 Building $1,284,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (17049C), as of January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0490250, 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

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 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.