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

Effingham County property record for 505 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,258 sqft · built 1930
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$1,500 (Aug 2026)
Tax Bill	$1,236 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2010 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-011`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-011`
Alternative APN	`628105010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,258 sqft Base Area
1st Floor Area	1,258 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Area	280 sqft
Porch	Slab

Location & Zoning

Street Address	505 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 40FT LOT 3 & ALL LOT 2 & THAT PT LOT 9 LYING W THEREOF BLK 33 LOYS 2ND SUB 3302/153 2625/170 513/301
Legal Subdivision	LOYS 2ND SUBDIVISION
Legal Block	33
Legal Lot Number	3-9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3002
Census Tract	950600

Owner

Source: Effingham County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	18504 N HIGHWAY 45, EFFINGHAM, IL 62401-6960
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 28, 2010	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	May 28, 2010 · Amount on Record
Deed Document Number	20263276
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 26, 2026
Property Address	505 S 3RD ST, EFFINGHAM, IL 62401-3749
Document Number	0000003276
Instrument Date	Aug 21, 2026
Instrument	20263276
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$75.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18504 N HIGHWAY 45, EFFINGHAM, IL 62401-6960

May 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 28, 2010
Property Address	505 S 3RD ST, EFFINGHAM, IL 62401-3749
Document Number	2625/170
Book / Page	2625 / 170
Map Reference	MB257 PG167
Instrument Date	May 26, 2010
Instrument	201001002505
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	505 S 3RD ST, EFFINGHAM, IL 62401-3749

Mortgage

Document Number	002625/172
Date	May 28, 2010
Book Page	2625/172
Instrument	201001002506

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	May 26, 2043

Tax Assessment & Valuation

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	$1,236.00 (-35.89%)	$21,920 (-36.54%) Land $18,260 Building $3,660	$65,760 (-36.54%) Land $54,780 Building $10,980
2024	$1,928.00 (+29.57%)	$34,540 (+19.93%) Land $16,600 Building $17,940	$103,620 (+19.93%) Land $49,800 Building $53,820
2022	$1,488.00 Homeowner's exemption	$28,800 Land $13,840 Building $14,960	$86,400 Land $41,520 Building $44,880

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

Flood

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

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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