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509 E Virginia Ave, Effingham, IL 62401 Property Records

Effingham County property record for 509 E Virginia Ave, Effingham, IL 62401

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 836 sqft · built 1943
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on Record
Last Sale$100,000 (Aug 2022)
Tax Bill$1,836 (2025)
Deeds & MortgagesAug 2022 Sale
Jun 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN03-16-020-001

Property Details

APN / Parcel Number

Primary APN03-16-020-001

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area836 sqft Base Area
1st Floor Area836 sqft
Basement Area836 sqft
Unfinished Basement836 sqft

Exterior

Year BuiltBuilt 1943
Effective Year BuiltEffective 1943
Construction TypeFrame
Lot Area6,534 sqft (0.15 acres)
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address509 E VIRGINIA AVE
CityEFFINGHAM
StateIL
Zip62401-3340
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 6 J W KABBES SUBD 3802/155 2407/89 1225/208
Legal SubdivisionJ W KABBES SUBDIVISION
Legal Lot Number6
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1087
Census Tract950600

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address13553 E 900TH AVE, EFFINGHAM, IL 62401-5906
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 3, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 12, 2017Deed of Trust, Mortgage · Line of Credit
WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2022 · Amount on Record
Deed SaleAug 3, 2022 · Amount on Record
Deed Document Number20223208
Deed Book / Page3802 / 155
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM IL
Recording DateAug 3, 2022
Property Address509 E VIRGINIA AVE, EFFINGHAM, IL 62401-3340
Document Number003802/155
Book / Page3802 / 155
Map ReferencePL 29 PG 527&547
Instrument DateJul 27, 2022
Instrument202222003208
Transaction TypeTransfer
Record UpdatedSep 26, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address13553 E 900TH AVE, EFFINGHAM, IL 62401-5906

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEFFINGHAM IL
Property Address509 E VIRGINIA AVE, EFFINGHAM, IL 62401-3340
Transaction TypeMortgage
Record UpdatedSep 7, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number, 201701702544
DateJun 12, 2017
Book Page3306/311
Instrument201701702544
Lender
NameWASHINGTON SAVINGS BANK
TypeBank
AddressEffingham, IL 62401
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueJun 15, 2032
Interest
Rate TypeAdjustable Rate
Rate4%
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,836.00 (+51.36%)$32,550 (+31.89%) Land $10,520 Building $22,030$97,650 (+31.89%) Land $31,560 Building $66,090
2022$1,213.00 Homeowner's exemption$24,680 Land $7,970 Building $16,710$74,040 Land $23,910 Building $50,130

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

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

Wildfire RiskNot 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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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