511 S 5th St, Effingham, IL 62401 Property Records

Effingham County property record for 511 S 5th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,292 sqft · built 1901
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2026)
Tax Bill	$1,508 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-036-032`

Property Details

APN / Parcel Number

Primary APN	`03-16-036-032`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,292 sqft Base Area
1st Floor Area	1,292 sqft
Basement Area	646 sqft
Unfinished Basement	646 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Street Address	511 S 5TH ST
City	EFFINGHAM
State	IL
Zip	62401-2575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	57FT S SIDE LOT 32 BLK 6 RAILROAD ADD A 3301/125 3270/141 2725/184 2340/65 1149/285 1115/23
Legal Subdivision	RAILROAD ADDITION
Legal Block	6
Legal Lot Number	32
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2004
Census Tract	950800

Owner

Source: Effingham County records, as of October 12, 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	511 S 5TH ST, EFFINGHAM, IL 62401-2575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · FHA Mortgage PRIME LENDING
May 18, 2017	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 9, 2017	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	May 18, 2017 · Amount on Record
Deed Document Number	20262877
Prior Transfer Date	Dec 27, 2016
Prior Transfer Doc	003270/141
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 31, 2026
Property Address	511 S 5TH ST, EFFINGHAM, IL 62401-2575
Document Number	0000002877
Instrument Date	Jul 28, 2026
Instrument	20262877
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,512.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 S 5TH ST, EFFINGHAM, IL 62401-2575

Mortgage

Document Number	0000002878,
Date	Jul 31, 2026
Instrument	20262878

Lender

Name	PRIME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.75%
Max Rate	-1%

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 18, 2017
Property Address	511 S 5TH ST, EFFINGHAM, IL 62401-2575
Document Number	003301/125
Book / Page	3301 / 125
Instrument Date	May 16, 2017
Instrument	201701702195
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$39.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 SHORTS DR, NEOGA, IL 62447-2206

January 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 9, 2017
Property Address	511 S 5TH ST, EFFINGHAM, IL 62401-2575
Document Number	003270/141
Book / Page	3270 / 141
Instrument Date	Dec 27, 2016
Instrument	201701700108
Transaction Type	Foreclosure
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 TECH CENTER DR # 2, 2, GAHANNA, OH 43230-6653
Investor	Possibly a Property Investor

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	$1,508.00 (-8.1%)	$26,730 (+1%) Land $6,340 Building $20,390	$80,190 (+1%) Land $19,020 Building $61,170
2024	$1,641.00 (+21.02%)	$24,300 (+19.88%) Land $5,760 Building $18,540	$72,900 (+19.88%) Land $17,280 Building $55,620
2022	$1,356.00	$20,270 Land $4,810 Building $15,460	$60,810 Land $14,430 Building $46,380

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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