Effingham County property record for 583 Cedar St, Mason, IL 62443
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,080 sqft · built 1920 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,976 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-22-002-002 |
| Primary APN | 07-22-002-002 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,080 sqft Base Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 918 sqft |
| Unfinished Basement | 918 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 583 CEDAR ST |
|---|---|
| City | MASON |
| State | IL |
| Zip | 62443-3402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1,2,3 & 4 BLK 6 ORIGINAL TOWN 25003042 3725/236 3467/246 3467/243 799/102 509/52 509/102 |
| Legal Subdivision | TOWN NOW VILLAGE OF MASON |
| Legal Block | 6 |
| Legal Lot Number | 1-4 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | MASON |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 950400 |
583 Cedar St is owned and occupied by an individual.
Source: Effingham County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 583 CEDAR ST, MASON, IL 62443-3402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · USDA Mortgage MIDLAND STATES BANK |
| Mar 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDLAND STATES BANK |
| Feb 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
| Sep 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 583 CEDAR ST, MASON, IL 62443 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003766/290 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 3766/290 |
| Instrument | 202222000953 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 583 CEDAR ST, MASON, IL 62443 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003766/308 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 3766/308 |
| Instrument | 202222000954 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 583 CEDAR ST, MASON, IL 62443 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003763/164 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 3763/164 |
| Instrument | 202222000773 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Sep 21, 2021 |
| Property Address | 583 CEDAR ST, MASON, IL 62443 |
| Document Number | 3725/236 |
| Book / Page | 3725 / 236 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 202121004749 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 583 CEDAR ST, MASON, IL 62443 |
| Document Number | 202121004750 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 202121004750 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 583 Cedar St was $1,976 with a homeowner's exemption, up 10.8% from the year before.
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Mason Township |
| Municipality | Mason Town |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,976.00 (+10.82%) Homeowner's exemption | $30,990 (+10.01%) Land $2,180 Building $28,810 | $92,970 (+10.01%) Land $6,540 Building $86,430 |
| 2024 | $1,783.00 | $28,170 Land $1,980 Building $26,190 | $84,510 Land $5,940 Building $78,570 |
| 2022 | $271.00 Homeowner's exemption | $23,290 Land $1,640 Building $21,650 | $69,870 Land $4,920 Building $64,950 |
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.
FEMA maps place 583 Cedar St in Zone X, an area of minimal flood risk.
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 risk around 583 Cedar St is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | EDGEWOOD serves 440 people · EPA ID IL0490200 |
|---|---|
| Water Source | Purchased surface water from EJ WATER COOPERATIVE |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
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