Effingham County property record for 504 E Kentucky Ave, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,645 sqft · built 2008 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,180 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-015-040 |
| Primary APN | 03-16-015-040 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,645 sqft Base Area |
| 1st Floor Area | 1,645 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 504 E KENTUCKY AVE |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BLK 1 W H ENGBRING ADDN 2558/23 2424/21 |
| Legal Subdivision | W H ENGBRING ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1091 |
| Census Tract | 950600 |
504 E Kentucky Ave is owned and occupied by two individuals who acquired it in September 2009.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 504 E KENTUCKY AVE, EFFINGHAM, IL 62401-3317 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2009 |
| Deed Sale | Sep 1, 2009 |
| Prior Sale | Jul 9, 2008 · Amount on File |
| Deed Document Number | 2009905883 |
| Deed Book / Page | 2558 / 23 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 504 E KENTUCKY AVE, EFFINGHAM, IL 62401-3317 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3728/120 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 3728/120 |
| Instrument | 202121004901 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Amount | Amount on Record |
|---|---|
| Term | 163 Months |
| Due | May 10, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.12% |
The 2025 property tax bill for 504 E Kentucky Ave was $2,180 with exemptions applied.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,180.00 | $75,090 Land $10,840 Building $64,250 | $225,270 Land $32,520 Building $192,750 |
| 2022 | $2,823.00 Homeowner's exemption Senior Citizen's exemption | $56,930 Land $8,210 Building $48,720 | $170,790 Land $24,630 Building $146,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 504 E Kentucky Ave 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 | 1 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 risk around 504 E Kentucky Ave 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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 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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