Effingham County property record for 509 N 3rd St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 1,260 sqft · built 1930 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $592,500 (May 2026) |
| Tax Bill | $1,024 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-013-020 |
| Primary APN | 03-16-013-020 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Base Area |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,134 sqft |
| Unfinished Basement | 1,134 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 509 N 3RD ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 50FT OF N 150FT MRS SOPHIA SCHLEPPERS SUB SURVEYORS SUB G 1030/144 604/194 |
| Legal Subdivision | SCHLEPPERS SUBDIVISION |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 950800 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 509 N 3RD ST, EFFINGHAM, IL 62401-3329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on Record |
| Deed Sale | May 27, 2026 · Amount on Record |
| Deed Document Number | 20261904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | May 27, 2026 |
| Property Address | 509 N 3RD ST, EFFINGHAM, IL 62401-3329 |
| Document Number | 0000001904 |
| Instrument Date | May 20, 2026 |
| Instrument | 20261904 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,921.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 509 N 3RD ST, EFFINGHAM, IL 62401-3329 |
| Document Number | 0000001905, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20261905 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,024.00 (-16.48%) Homeowner's exemption Senior Citizen's exemption | $61,220 (+10.01%) Land $13,750 Building $47,470 | $183,660 (+10.01%) Land $41,250 Building $142,410 |
| 2024 | $1,226.00 (-7.54%) | $55,650 (+19.91%) Land $12,500 Building $43,150 | $166,950 (+19.91%) Land $37,500 Building $129,450 |
| 2022 | $1,326.00 Homeowner's exemption Senior Citizen's exemption | $46,410 Land $10,420 Building $35,990 | $139,230 Land $31,260 Building $107,970 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 (1993) |
| Most Recent Claim | Jul 1993 · river or lake flooding |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 434 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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