601 Flame Ct, Effingham, IL 62401 Property Records

Effingham County property record for 601 Flame Ct, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,595 sqft · built 2001
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jun 2022)
Tax Bill	$6,830 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-203-012`

Property Details

APN / Parcel Number

Primary APN	`03-11-203-012`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,595 sqft Base Area
1st Floor Area	1,595 sqft
Basement Area	1,595 sqft
Unfinished Basement	1,595 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	16,553 sqft (0.38 acres)
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	601 FLAME CT
City	EFFINGHAM
State	IL
Zip	62401-6403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 6 BECKMAN ESTATE 1ST ADD 3789/76 3737/235 3549/176 1522/188 1559/302
Legal Subdivision	BECKMAN ESTATE
Legal Block	6
Legal Lot Number	12
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1053
Census Tract	950700

Owner

601 Flame Ct is owned and occupied by two individuals who bought it in June 2022.

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	2 Individual Names on File
Mailing Address	601 FLAME CT, EFFINGHAM, IL 62401-6403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 8, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST FSLA OF CENTRAL ILLINOIS
Apr 13, 2020	Warranty Deed, Transfer · FHA Mortgage MIDWEST EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2022 · Amount on File
Deed Sale	Jun 7, 2022 · Amount on File
Prior Sale	Nov 8, 2021 · Amount on File
Deed Document Number	20222365
Deed Book / Page	3789 / 76
Prior Transfer Date	Aug 8, 2000
Prior Transfer Doc	0002004377
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 7, 2022
Property Address	601 FLAME CT, EFFINGHAM, IL 62401-6403
Document Number	0003789/76
Book / Page	3789 / 76
Map Reference	PL261-B MB1523 PG210
Instrument Date	Jun 3, 2022
Instrument	202222002365
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
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 by the Entirety
Address	601 FLAME CT, EFFINGHAM, IL 62401-6403

Mortgage

Document Number	202222002366
Date	Jun 7, 2022
Instrument	202222002366

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 8, 2021
Property Address	601 FLAME CT, EFFINGHAM, IL 62401-6403
Document Number	003737/235
Book / Page	3737 / 235
Map Reference	MB 1523 PG210PL261-B
Instrument Date	Sep 3, 2021
Instrument	202121005499
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	202121005500
Date	Nov 8, 2021
Instrument	202121005500

Lender

Name	FIRST FSLA OF CENTRAL ILLINOIS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	298 Months
Due	Sep 3, 2046

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 13, 2020
Property Address	601 FLAME CT, EFFINGHAM, IL 62401-6403
Document Number	003549/176
Book / Page	3549 / 176
Map Reference	MB 1523 PG 210
Instrument Date	Apr 10, 2020
Instrument	202020001565
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 FLAME CT, EFFINGHAM, IL 62401-6403

Mortgage

Document Number	202020001566
Date	Apr 13, 2020
Instrument	202020001566

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 601 Flame Ct was $6,830 with a homeowner's exemption, down 7.7% from the year before.

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	$6,830.00 (-7.67%) Homeowner's exemption	$127,060 (+10.01%) Land $21,290 Building $105,770	$381,180 (+10.01%) Land $63,870 Building $317,310
2024	$7,397.00	$115,500 Land $19,350 Building $96,150	$346,500 Land $58,050 Building $288,450
2022	$6,010.00	$96,330 Land $16,140 Building $80,190	$288,990 Land $48,420 Building $240,570

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

FEMA maps place 601 Flame Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2000 · rainfall accumulation

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

The area around 601 Flame Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 278 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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