512 E Grove Ave, Effingham, IL 62401 Property Records

Effingham County property record for 512 E Grove Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,292 sqft · built 1952
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Oct 2023)
Tax Bill	$1,711 (2025)
Deeds & Mortgages	Oct 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`03-16-046-046`

Property Details

APN / Parcel Number

Primary APN	`03-16-046-046`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,292 sqft Base Area
1st Floor Area	1,292 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Area	87 sqft

Location & Zoning

Street Address	512 E GROVE AVE
City	EFFINGHAM
State	IL
Zip	62401-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 8 EDA A AUSTIN SUB 23003259
Legal Subdivision	EDA A AUSTIN SUBDIVISION
Legal Block	8
Legal Lot Number	10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2023
Census Tract	950600

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	2 Individual Names on Record
Mailing Address	512 E GROVE AVE, EFFINGHAM, IL 62401-3838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on Record
Deed Sale	Oct 10, 2023 · Amount on Record
Deed Document Number	20233259
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 10, 2023
Property Address	512 E GROVE AVE, EFFINGHAM, IL 62401-3838
Document Number	202323003259
Map Reference	MB 2 PG 3
Instrument Date	Sep 29, 2023
Instrument	202323003259
Transaction Type	Construction Loan
Record Updated	Jan 9, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	512 E GROVE AVE, EFFINGHAM, IL 62401-3838

Mortgage

Document Number	202323003260
Date	Oct 10, 2023
Instrument	202323003260

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2028

Interest

Rate	6.62%

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	$1,711.00 (+8,905.26%)	$36,330 (+31.87%) Land $9,580 Building $26,750	$108,990 (+31.87%) Land $28,740 Building $80,250
2022	$19.00 Homeowner's exemption Senior Citizen's exemption	$27,550 Land $7,270 Building $20,280	$82,650 Land $21,810 Building $60,840

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

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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