508 E Virginia Ave, Effingham, IL 62401 Property Records

Effingham County property record for 508 E Virginia Ave, Effingham, IL 62401

Property Summary

Property Type	Duplex
Details	1 bd · 2 ba · 1,432 sqft · built 1953
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Feb 2018)
Tax Bill	$2,040 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Feb 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-015-027`

Property Details

APN / Parcel Number

Primary APN	`03-16-015-027`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Base Area
1st Floor Area	1,432 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Duplex Single
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	508 E VIRGINIA AVE
City	EFFINGHAM
State	IL
Zip	62401-3339
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 10 BLK 2 W H ENGBRING SUB 3364/5 3142/85 2718/122 2511/118 2229/284 1498/70 1062/184 654/220
Legal Subdivision	W H ENGBRING SUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1092
Census Tract	950600

Owner

508 E Virginia Ave, a duplex, is owned and occupied by an individual who bought it in February 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2009	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Feb 1, 2018	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 5, 2011	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2018 · Amount on File
Deed Sale	Feb 1, 2018 · Amount on File
Prior Sale	Aug 24, 2015 · Amount on File
Deed Document Number	20181800400
Deed Book / Page	3364 / 5
Prior Transfer Date	Dec 23, 2005
Prior Transfer Doc	2229/283
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002508/090
Date	Apr 8, 2009
Book Page	2508/090
Instrument	200900902546

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2039

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 1, 2018
Property Address	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339
Document Number	3364/005
Book / Page	3364 / 005
Map Reference	MB 1 PG 30
Instrument Date	Jan 31, 2018
Instrument	201801800400
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339

April 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 5, 2011
Property Address	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339
Document Number	002718/122
Book / Page	2718 / 122
Map Reference	MB1 PG30
Instrument Date	Apr 4, 2011
Instrument	201101101541
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
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	508 E VIRGINIA AVE, EFFINGHAM, IL 62401-3339

Mortgage

Document Number	201101101542
Date	Apr 5, 2011
Instrument	201101101542

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Apr 4, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 508 E Virginia Ave was $2,040 with exemptions applied, down 26.6% 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	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	$2,040.00 (-26.65%) Homeowner's exemption	$51,890 (+10.01%) Land $10,760 Building $41,130	$155,670 (+10.01%) Land $32,280 Building $123,390
2024	$2,781.00 Homeowner's exemption	$47,170 Land $9,780 Building $37,390	$141,510 Land $29,340 Building $112,170
2022	$2,194.00 Homeowner's exemption	$39,340 Land $8,160 Building $31,180	$118,020 Land $24,480 Building $93,540

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 508 E Virginia 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

The area around 508 E Virginia Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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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