406 N Garrett St, Teutopolis, IL 62467 Property Records

Effingham County property record for 406 N Garrett St, Teutopolis, IL 62467

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,029 sqft · built 2010
Lot Size	1.31 acres (57,064 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jul 2009)
Tax Bill	$6,787 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-18-001-047`

Property Details

APN / Parcel Number

Primary APN	`12-18-001-047`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,029 sqft Base Area
1st Floor Area	2,029 sqft
Basement Area	2,029 sqft
Unfinished Basement	2,028 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	57,064 sqft (1.31 acres)
Garage Area	1,374 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	406 N GARRETT ST
City	TEUTOPOLIS
State	IL
Zip	62467-1132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT D OF ROBERT WERNSING'S SUBD 2543/90 2027/310 710/216
Legal Subdivision	ROBERT WERNSING'S SUBD
Legal Lot Number	D
Jurisdiction	EFFINGHAM IL
Township / Civil Division	TEUTOPOLIS
Census Block Group	2
Census Block	2002
Census Tract	950100

Owner

406 N Garrett St is owned and occupied by two individuals who acquired it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	406 N GARRETT ST, TEUTOPOLIS, IL 62467-1132
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
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK FSB
Jul 24, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2009 · Amount on File
Deed Sale	Jul 10, 2009 · Amount on File
Deed Document Number	2009904841
Deed Book / Page	2543 / 90
Last Transfer Date	Jul 22, 2026
Transfer Doc	0000002769
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 25, 2026
Property Address	406 N GARRETT ST, TEUTOPOLIS, IL 62467-1132
Document Number	0000003251
Instrument Date	Aug 18, 2026
Instrument	20263251
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N GARRETT ST, TEUTOPOLIS, IL 62467-1132

Mortgage

Document Number	0000003251,
Date	Aug 25, 2026
Instrument	20263251

Lender

Name	WASHINGTON SAVINGS BANK FSB

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2041

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 24, 2026
Property Address	406 N GARRETT ST, TEUTOPOLIS, IL 62467-1132
Document Number	0000002769
Instrument Date	Jul 22, 2026
Instrument	20262769
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 406 N Garrett St was $6,787 with a homeowner's exemption, up 7.3% 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	Teutopolis Township
Municipality	Teutopolis Village
Unified School District	Teutopolis Community Unit School District 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,787.00 (+7.25%) Homeowner's exemption	$124,490 (+1%) Land $13,660 Building $110,830	$373,470 (+1%) Land $40,980 Building $332,490
2024	$6,328.00	$113,170 Land $12,420 Building $100,750	$339,510 Land $37,260 Building $302,250
2022	$4,874.00 Homeowner's exemption	$93,110 Land $10,220 Building $82,890	$279,330 Land $30,660 Building $248,670

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

Flood

FEMA maps place 406 N Garrett 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	7 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.

Wildfire

Wildfire risk around 406 N Garrett St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	TEUTOPOLIS serves 2,018 people · EPA ID IL0490450
Water Source	Groundwater
Last State Inspection	Mar 2026
Also Mapped Here	EJ WATER COOPERATIVE
Lead	10 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Wabash Communications.

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