511 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 511 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,058 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Feb 2026)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-013-021`

Property Details

APN / Parcel Number

Primary APN	`03-16-013-021`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,058 sqft Base Area
1st Floor Area	1,058 sqft
Basement Area	1,058 sqft
Unfinished Basement	1,058 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	511 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 OF LOT 7 SCHLEPPERS SUB TO SURVEYOR'S ADD G 3601/286 3599/199 3569/49 1343/141 740/84
Legal Subdivision	SCHLEPPERS SUBDIVISION
Legal Lot Number	2-7
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1005
Census Tract	950800

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 Record	Individual Name on Record
Mailing Address	19734 E 1150TH AVE, DIETERICH, IL 62424-2108
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Special Warranty Deed, Transfer · Closed-End Mortgage FIRST STATE BANK OF BEECHER CITY
Aug 19, 2020	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 12, 2020	Correction Deed ATTORNEY ONLY, ATTORNEY
May 29, 2020	Deed, Construction Loan · Construction Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	May 29, 2020 · Amount on Record
Deed Document Number	2026483
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	3599/199
Record Updated	Oct 29, 2026

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 6, 2026
Property Address	511 N 3RD ST, EFFINGHAM, IL 62401-3329
Document Number	202626000483
Instrument Date	Feb 5, 2026
Instrument	202626000483
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$92.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 N 4TH ST, EFFINGHAM, IL 62401-3484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19734 E 1150TH AVE, DIETERICH, IL 62424-2108

Mortgage

Document Number	202626000484
Date	Feb 6, 2026
Instrument	202626000484

Lender

Name	FIRST STATE BANK OF BEECHER CITY
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 19, 2020
Property Address	511 N 3RD ST, EFFINGHAM, IL 62401-3329
Document Number	3601/286
Book / Page	3601 / 286
Instrument Date	Aug 18, 2020
Instrument	202020004555
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 E WASHINGTON AVE, 122, EFFINGHAM, IL 62401-3471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 248, EFFINGHAM, IL 62401-0248

August 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 12, 2020
Property Address	511 N 3RD ST, EFFINGHAM, IL 62401-3329
Document Number	3599/199
Book / Page	3599 / 199
Instrument Date	Jul 31, 2020
Instrument	202020004414
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 29, 2020
Property Address	511 N 3RD ST, EFFINGHAM, IL 62401-3329
Document Number	3569/49
Book / Page	3569 / 49
Instrument Date	May 27, 2020
Instrument	202020002654
Transaction Type	Construction Loan
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21123 119TH ST, 21123, BRISTOL, WI 53104-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 248, EFFINGHAM, IL 62401-0248

Mortgage

Document Number	202020002655
Date	May 29, 2020
Instrument	202020002655

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,564.00 (-8.13%)	$45,450 (+1%) Land $13,750 Building $31,700	$136,350 (+1%) Land $41,250 Building $95,100
2024	$2,791.00 (+118.56%)	$41,320 (+19.91%) Land $12,500 Building $28,820	$123,960 (+19.91%) Land $37,500 Building $86,460
2022	$1,277.00	$34,460 Land $10,420 Building $24,040	$103,380 Land $31,260 Building $72,120

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 (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.

Wildfire

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 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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