602 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 602 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,124 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$34,500 (Jun 2007)
Tax Bill	$1,262 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-015`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-015`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,124 sqft Base Area
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	602 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 LOYS SUB 2325/314 899/214 765/158
Legal Subdivision	LOYS SUBDIVISION
Legal Lot Number	8
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3001
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	602 S 3RD ST, EFFINGHAM, IL 62401-3750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2007 · Amount on Record
Deed Sale	Jun 18, 2007 · Amount on Record
Deed Document Number	2007703053
Deed Book / Page	2325 / 314
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	602 S 3RD ST, EFFINGHAM, IL 62401-3750
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003780/134
Date	May 2, 2022
Book Page	3780/134
Instrument	202222001815

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	602 S 3RD ST, EFFINGHAM, IL 62401-3750
Transaction Type	Mortgage
Record Updated	Jul 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3473/341
Date	Jun 17, 2019
Book Page	3473/341
Instrument	201901902237

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 16, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	9.99%

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	$1,262.00 (+26.07%)	$28,370 (+31.89%) Land $9,350 Building $19,020	$85,110 (+31.89%) Land $28,050 Building $57,060
2022	$1,001.00 Homeowner's exemption	$21,510 Land $7,090 Building $14,420	$64,530 Land $21,270 Building $43,260

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · 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

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.

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