518 E Grove Ave, Effingham, IL 62401 Property Records

Effingham County property record for 518 E Grove Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,036 sqft · built 1952
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$101,000 (May 2016)
Tax Bill	$906 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-046-043`

Property Details

APN / Parcel Number

Primary APN	`03-16-046-043`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,036 sqft Base Area
1st Floor Area	1,036 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Mixed
Garage Area	932 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	518 E GROVE AVE
City	EFFINGHAM
State	IL
Zip	62401-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 8 EDA A AUSTIN SUB 3209/40 2674/313 2674/309 2297/181 1285/8
Legal Subdivision	EDA A AUSTIN SUBDIVISION
Legal Block	8
Legal Lot Number	13
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	Individual Name on Record
Mailing Address	518 E GROVE AVE, EFFINGHAM, IL 62401-3838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2016 · Amount on Record
Deed Sale	May 23, 2016 · Amount on Record
Prior Sale	Oct 29, 2010 · Amount on Record
Deed Document Number	20161602224
Deed Book / Page	3209 / 40
Prior Transfer Date	Oct 26, 2010
Prior Transfer Doc	2674/309
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 2, 2026
Property Address	518 E GROVE AVE, EFFINGHAM, IL 62401-3838
Document Number	0000003368
Instrument Date	Aug 28, 2026
Instrument	20263368
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E GROVE AVE, EFFINGHAM, IL 62401-3838

Mortgage

Document Number	0000003368,
Date	Sep 2, 2026
Instrument	20263368

Lender

Name	WASHINGTON SAVINGS BANK FSB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 2, 2036

Interest

Rate	7.5%
Max Rate	-1%

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	$906.00 (-16.42%) Homeowner's exemption Senior Citizen's exemption	$39,760 (+10.02%) Land $9,650 Building $30,110	$119,280 (+10.02%) Land $28,950 Building $90,330
2024	$1,084.00 (-7.59%)	$36,140 (+19.91%) Land $8,770 Building $27,370	$108,420 (+19.91%) Land $26,310 Building $82,110
2022	$1,173.00 Homeowner's exemption Senior Citizen's exemption	$30,140 Land $7,310 Building $22,830	$90,420 Land $21,930 Building $68,490

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.

Nearby Properties on E Grove Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures