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

Effingham County property record for 508 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,230 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$90,000 (Feb 2022)
Tax Bill	$2,130 (2022)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-013`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-013`

Interior

Stories	1 Story
Building Area	1,230 sqft Base Area
Basement Area	816 sqft

Exterior

Year Built	Built 1930
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	508 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10FT LOT 7 & ALL LOT 4 LOYS SUB 3762/22 2244/87 2242/16 2106/348 2074/207 2074/205 505/258
Legal Subdivision	LOYS SUBDIVISION
Legal Lot Number	7-4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3001
Census Tract	950600

Owner

Source: Effingham County assessment roll, as of January 1, 2022

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

Owner of Record	Company Name on File
Mailing Address	14634 N AMBER LN, EFFINGHAM, IL 62401-4342
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Jul 28, 2006 · Amount on Record
Deed Document Number	202222000689
Deed Book / Page	3762 / 22
Record Updated	Jun 7, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 15, 2022
Property Address	508 S 3RD ST, EFFINGHAM, IL 62401-3748
Document Number	0003762/22
Book / Page	3762 / 22
Map Reference	MB 1 PG 55
Instrument Date	Feb 9, 2022
Instrument	202222000689
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 ELLIOTT AVE W # W532, 600, SEATTLE, WA 98119-4075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14634 N AMBER LN, EFFINGHAM, IL 62401-4342

Mortgage

Document Number	202222000690
Date	Feb 15, 2022
Instrument	202222000690

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 10, 2042

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$2,130.00	$31,810 Land $8,240 Building $23,570	$95,430 Land $24,720 Building $70,710

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

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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