503 S 2nd St, Effingham, IL 62401 Property Records

Effingham County property record for 503 S 2nd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 600 sqft · built 1930
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$189,000 (Nov 2023)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Jul 2026 Transfer Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-029`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-029`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	600 sqft Base Area
1st Floor Area	600 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	503 S 2ND ST
City	EFFINGHAM
State	IL
Zip	62401-3745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 55FT OF S 60FT OF E 125FT LOT 1 LOYS SUB 23003684 2968/298 2802/268 2117/172 1812/325 1395/250
Legal Subdivision	LOYS SUBDIVISION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3001
Census Tract	950600

Owner

503 S 2nd St is held in a trust since November 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	2000 S BANKER ST, EFFINGHAM, IL 62401-2811
Owner Type	Company
Vesting	Trust

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
Jul 14, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 9, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023 · Amount on File
Deed Sale	Nov 9, 2023 · Amount on File
Prior Sale	Jul 23, 2013 · Amount on File
Deed Document Number	20233684
Prior Transfer Date	Jul 10, 2013
Prior Transfer Doc	2968/298
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 14, 2026
Property Address	503 S 2ND ST, EFFINGHAM, IL 62401-3745
Document Number	0000002577
Instrument Date	Jul 2, 2026
Instrument	20262577
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	2000 S BANKER ST, EFFINGHAM, IL 62401-2811

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 9, 2023
Property Address	503 S 2ND ST, EFFINGHAM, IL 62401-3745
Document Number	202323003684
Instrument Date	Oct 25, 2023
Instrument	202323003684
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E WERNSING AVE, EFFINGHAM, IL 62401-4030

Mortgage

Document Number	202323003685
Date	Nov 9, 2023
Instrument	202323003685

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 503 S 2nd St was $1,066.

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	$1,066.00	$18,910 Land $8,600 Building $10,310	$56,730 Land $25,800 Building $30,930
2022	$960.00	$14,340 Land $6,520 Building $7,820	$43,020 Land $19,560 Building $23,460

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 503 S 2nd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 503 S 2nd St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 349 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 · Fiber in parts of the area	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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