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

Effingham County property record for 604 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,234 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Oct 2019)
Tax Bill	$2,758 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-016`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-016`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,234 sqft Base Area
1st Floor Area	1,234 sqft
Basement Area	1,194 sqft
Unfinished Basement	1,194 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	604 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 LOYS SUB & N1/2 OF THAT PT VACATED ALLEY LYING S OF LOT 11 3501/140 923/215 633/40
Legal Subdivision	LOYS SUBDIVISION
Legal Lot Number	11
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	604 S 3RD ST, EFFINGHAM, IL 62401-3750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	20191903952
Deed Book / Page	3501 / 140
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 1, 2019
Property Address	604 S 3RD ST, EFFINGHAM, IL 62401-3750
Document Number	3501/140
Book / Page	3501 / 140
Map Reference	MB 1 PG 55
Instrument Date	Sep 25, 2019
Instrument	201901903952
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 NEW RD, 539, SOUTHAMPTON, PA 18966-3745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S 3RD ST, EFFINGHAM, IL 62401-3750

Mortgage

Document Number	201901903953
Date	Oct 1, 2019
Instrument	201901903953

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

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	$2,758.00 (-14.74%)	$54,900 (+31.88%) Land $10,590 Building $44,310	$164,700 (+31.88%) Land $31,770 Building $132,930
2022	$3,235.00 Homeowner's exemption	$41,630 Land $8,030 Building $33,600	$124,890 Land $24,090 Building $100,800

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 (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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