508 W Temple Ave, Effingham, IL 62401 Property Records

Effingham County property record for 508 W Temple Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,800 sqft · built 1945
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$666,000 (Nov 2023)
Tax Bill	$2,787 (2025)
Deeds & Mortgages	Nov 2023 Sale & Construction Loan Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-010-048`

Property Details

APN / Parcel Number

Primary APN	`03-16-010-048`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Base Area
1st Floor Area	1,800 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	508 W TEMPLE AVE
City	EFFINGHAM
State	IL
Zip	62401-2249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 2 BOHN'S SUB 23003726 3345/343 2939/167 2681/188
Legal Subdivision	BOHN'S SUBDIVISION
Legal Block	2
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2038
Census Tract	950700

Owner

508 W Temple Ave is owned and occupied by an individual who bought it in November 2023.

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 W TEMPLE AVE, EFFINGHAM, IL 62401-2249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Warranty Deed, Construction Loan · Construction Mortgage WASHINGTON SAVINGS BANK
Nov 3, 2017	Warranty Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK
Jul 10, 2017	Warranty Deed, Transfer · Construction Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Nov 3, 2017 · Amount on File
Deed Document Number	20233726
Prior Transfer Date	Jul 10, 2017
Prior Transfer Doc	003315/198
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 13, 2023
Property Address	508 W TEMPLE AVE, EFFINGHAM, IL 62401-2249
Document Number	202323003726
Map Reference	PL 29 PG 571
Instrument Date	Nov 9, 2023
Instrument	202323003726
Transaction Type	Construction Loan
Record Updated	Jan 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
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 W TEMPLE AVE, EFFINGHAM, IL 62401-2249

Mortgage

Document Number	202323003727
Date	Nov 13, 2023
Instrument	202323003727

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate	6.87%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 3, 2017
Property Address	508 W TEMPLE AVE, EFFINGHAM, IL 62401-2249
Document Number	003345/343
Book / Page	3345 / 343
Map Reference	MB 29 PG 571
Instrument Date	Nov 1, 2017
Instrument	201701705146
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
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 W TEMPLE AVE, EFFINGHAM, IL 62401-2249

Mortgage

Document Number	201701705147
Date	Nov 3, 2017
Instrument	201701705147

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 10, 2017
Property Address	508 W TEMPLE AVE, EFFINGHAM, IL 62401-2249
Document Number	003315/198
Book / Page	3315 / 198
Map Reference	MB 5 PG 43
Instrument Date	Jul 10, 2017
Instrument	201701703121
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11258 E LINCOLNSHIRE LN, 11258, EFFINGHAM, IL 62401-4479

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	603 PARK HILLS DR, EFFINGHAM, IL 62401-3128

Mortgage

Document Number	201701703122
Date	Jul 10, 2017
Instrument	201701703122

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Apr 11, 2018

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 508 W Temple Ave was $2,787 with a homeowner's exemption, down 7% 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	$2,787.00 (-7.01%) Homeowner's exemption	$55,410 (+10.01%) Land $7,280 Building $48,130	$166,230 (+10.01%) Land $21,840 Building $144,390
2024	$2,997.00	$50,370 Land $6,620 Building $43,750	$151,110 Land $19,860 Building $131,250
2022	$1,587.00 Homeowner's exemption	$30,250 Land $5,520 Building $24,730	$90,750 Land $16,560 Building $74,190

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 508 W Temple Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 W Temple 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 244 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

May also be available: Wisper ISP.

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