601 S Cherry St, Effingham, IL 62401 Property Records

Effingham County property record for 601 S Cherry St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,580 sqft · built 1949
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$102,000 (Apr 2019)
Tax Bill	$766 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-038-031`

Property Details

APN / Parcel Number

Primary APN	`03-16-038-031`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,580 sqft Base Area
1st Floor Area	1,580 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	601 S CHERRY ST
City	EFFINGHAM
State	IL
Zip	62401-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WABASH SUB 3455/201 3298/161 3262/126 3259/43 2799/207
Legal Subdivision	WABASH SUBDIVISION
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2017
Census Tract	950800

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	601 S CHERRY ST, EFFINGHAM, IL 62401-1929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2019	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP
May 9, 2017	Executor's Deed, Transfer · Commercial Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	May 9, 2017 · Amount on Record
Deed Document Number	20191901071
Deed Book / Page	3455 / 201
Prior Transfer Date	Dec 5, 2016
Prior Transfer Doc	3262/126
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 1, 2019
Property Address	601 S CHERRY ST, EFFINGHAM, IL 62401-1929
Document Number	3455/201
Book / Page	3455 / 201
Map Reference	PL 5 PG 48
Instrument Date	Mar 29, 2019
Instrument	201901901071
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$153.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 S CHERRY ST, EFFINGHAM, IL 62401-1929

Mortgage

Document Number	201901901072
Date	Apr 1, 2019
Instrument	201901901072

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

May 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 9, 2017
Property Address	601 S CHERRY ST, EFFINGHAM, IL 62401-1929
Document Number	3298/161
Book / Page	3298 / 161
Map Reference	PL 5 PG 48
Instrument Date	May 8, 2017
Instrument	201701702020
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14841 N 19TH AVE, EFFINGHAM, IL 62401-7711

Mortgage

Document Number	201701702021
Date	May 9, 2017
Instrument	201701702021

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 8, 2022

Interest

Rate	4.26%

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	$766.00 (-22.86%)	$19,580 (+31.94%) Land $12,460 Building $7,120	$58,740 (+31.94%) Land $37,380 Building $21,360
2022	$993.00 Homeowner's exemption	$14,840 Land $9,450 Building $5,390	$44,520 Land $28,350 Building $16,170

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: AT&T, Wabash Communications, Wisper ISP.

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