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

Effingham County property record for 600 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,018 sqft · built 1938
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2018)
Tax Bill	$1,710 (2025)
Deeds & Mortgages	Jun 2010 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-013-042`

Property Details

APN / Parcel Number

Primary APN	`03-16-013-042`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,018 sqft Base Area
1st Floor Area	1,018 sqft
Basement Area	898 sqft
Unfinished Basement	898 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	600 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 50FT OF W 132FT LOT 9 MRS SOPHIA SCHLEPPERS SUB SURVEYORS ADD G 25001714 3406/266 2633/216 989/19 930/174
Legal Subdivision	SCHLEPPERS SUBDIVISION
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1006
Census Tract	950800

Owner

Source: Effingham County records, as of October 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	600 N 3RD ST, EFFINGHAM, IL 62401-3330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2010	Deed of Trust, Mortgage · USDA Mortgage USDA
Aug 16, 2018	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Prior Sale	Jun 28, 2010
Deed Document Number	20181803331
Deed Book / Page	3406 / 266
Record Updated	Oct 29, 2026

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	600 N 3RD ST, EFFINGHAM, IL 62401-3330
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002633/218
Date	Jun 28, 2010
Book Page	2633/218
Instrument	201001003066

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jun 25, 2043

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 16, 2018
Property Address	600 N 3RD ST, EFFINGHAM, IL 62401-3330
Document Number	3406/266
Book / Page	3406 / 266
Map Reference	MB 29 PG 340
Instrument Date	Jul 16, 2018
Instrument	201801803331
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 N 3RD ST, EFFINGHAM, IL 62401-3330

Mortgage

Document Number	201801803332
Date	Aug 16, 2018
Instrument	201801803332

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$1,710.00 (-6.3%) Homeowner's exemption	$36,320 (+9.99%) Land $13,750 Building $22,570	$108,960 (+9.99%) Land $41,250 Building $67,710
2024	$1,825.00 (+29.99%)	$33,020 (+19.94%) Land $12,500 Building $20,520	$99,060 (+19.94%) Land $37,500 Building $61,560
2022	$1,404.00 Homeowner's exemption	$27,530 Land $10,420 Building $17,110	$82,590 Land $31,260 Building $51,330

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.

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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