603 E North Ave, Effingham, IL 62401 Property Records

Effingham County property record for 603 E North Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,232 sqft · built 1966
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (May 2023)
Tax Bill	$2,906 (2022)
Deeds & Mortgages	Feb 2026 Mortgage May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-005-057`

Property Details

APN / Parcel Number

Primary APN	`03-16-005-057`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	1,232 sqft Base Area
1st Floor Area	1,232 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	603 E NORTH AVE
City	EFFINGHAM
State	IL
Zip	62401-3274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 OF REPLAT LOTS 1-15 ZIEGLER SUB 3855/249 3792/276 3393/210 2152/240 1743/306 366/540
Legal Subdivision	ZIEGLER SUBDIVISION
Legal Lot Number	4-15
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1084
Census Tract	950600

Owner

Source: Effingham County assessment roll, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1112 N MARTIN ST, EFFINGHAM, IL 62401-1711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 3, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 21, 2022	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF BEECHER CITY
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2023 · Amount on Record
Deed Sale	May 3, 2023 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	20231464
Deed Book / Page	3855 / 249
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274

Mortgage

Document Number	202626000621
Date	Feb 20, 2026
Instrument	202626000621

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 3, 2023
Property Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274
Document Number	003855/249
Book / Page	3855 / 249
Map Reference	MB 3 PG 444
Instrument Date	May 1, 2023
Instrument	202322001464
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274

Mortgage

Document Number	202322001465
Date	May 3, 2023
Instrument	202322001465

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 21, 2022
Property Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274
Document Number	003792/276
Book / Page	3792 / 276
Map Reference	MB 3 PG 444
Instrument Date	Jun 16, 2022
Instrument	202222002582
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274

Mortgage

Document Number	202222002583
Date	Jun 21, 2022
Instrument	202222002583

Lender

Name	FIRST STATE BANK OF BEECHER CITY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 16, 2023

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 22, 2018
Property Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274
Document Number	003393/210
Book / Page	3393 / 210
Map Reference	MB 3 PG 444
Instrument Date	Jun 22, 2018
Instrument	201801802502
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E NORTH AVE, EFFINGHAM, IL 62401-3274

Mortgage

Document Number	201801802503
Date	Jun 22, 2018
Instrument	201801802503

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024		$59,900 (+19.9%) Land $13,450 Building $46,450	$179,700 (+19.9%) Land $40,350 Building $139,350
2022	$2,906.00 Homeowner's exemption	$49,960 (+0.99%) Land $11,220 Building $38,740	$149,880 (+0.99%) Land $33,660 Building $116,220
2021		$49,470 Land $11,110 Building $38,360	$148,410 Land $33,330 Building $115,080
2018	$2,906.00

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 Policies	1 in force

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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Telephone Cooperative Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Consolidated Communications DSL	500 / 75
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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