Effingham County property record for 604 S 5th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,584 sqft · built 1900 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,500 (Dec 2014) |
| Tax Bill | $3,297 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-044-026 |
| Primary APN | 03-16-044-026 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,584 sqft Base Area |
| 1st Floor Area | 1,584 sqft |
| Basement Area | 592 sqft |
| Unfinished Basement | 592 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 604 S 5TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-2653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 & S PT LOT 14 BLK 1 BLISS PARK ADD 3250/3 3081/94 2819/50 2465/271 2340/51 2263/75 1455/47 214/528 |
| Legal Subdivision | BLISS PARK ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 13-14 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 950800 |
604 S 5th St is owned and occupied by two individuals who bought it in December 2014.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 604 S 5TH ST, EFFINGHAM, IL 62401-2653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2014 · Amount on File |
| Deed Sale | Dec 1, 2014 · Amount on File |
| Prior Sale | Dec 23, 2008 |
| Deed Document Number | 20141405158 |
| Deed Book / Page | 3081 / 94 |
| Prior Transfer Date | Mar 22, 2012 |
| Prior Transfer Doc | 2819/050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | May 4, 2026 |
| Property Address | 604 S 5TH ST, EFFINGHAM, IL 62401-2653 |
| Document Number | 0000001607 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 604 S 5TH ST, EFFINGHAM, IL 62401-2653 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001607, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20261607 |
| Name | LAND OF LINCOLN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 604 S 5th St was $3,297 with a homeowner's exemption, down 7.2% from the year before.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,297.00 (-7.18%) Homeowner's exemption | $64,440 (+1%) Land $11,960 Building $52,480 | $193,320 (+1%) Land $35,880 Building $157,440 |
| 2024 | $3,552.00 | $58,580 Land $10,870 Building $47,710 | $175,740 Land $32,610 Building $143,130 |
| 2022 | $2,831.00 Homeowner's exemption | $48,850 Land $9,060 Building $39,790 | $146,550 Land $27,180 Building $119,370 |
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.
FEMA maps place 604 S 5th St in Zone X, an area of minimal flood risk.
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 risk around 604 S 5th St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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