1. Home
  2. Illinois
  3. Effingham County
  4. Effingham
  5. N 3rd St

605 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 605 N 3rd St, Effingham, IL 62401

Property Summary

Property TypeSingle Family Home
Details1 bd · 2 ba · 1,114 sqft · built 1937
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on Record
Last Sale$118,500 (Aug 2021)
Tax Bill$2,411 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-16-013-024

Property Details

APN / Parcel Number

Primary APN03-16-013-024

Interior

Bedrooms1 Bed
Full Baths2 Baths
Half Baths2 Half Baths
Stories1 Story
Building Area1,114 sqft Base Area
1st Floor Area1,114 sqft
Basement Area1,114 sqft
Unfinished Basement1,114 sqft

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1937
Construction TypeMasonry / Concrete Block
Roof MaterialAsphalt
Lot Area6,970 sqft (0.16 acres)

Location & Zoning

Street Address605 N 3RD ST
CityEFFINGHAM
StateIL
Zip62401-3331
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 2 ZAHNOW'S SUB EXCEPT N 5FT & N 5FT LOT 8 MRS SOPHIA SCHLEPER'S SUB 3711/117 1603/240
Legal SubdivisionZAHNOW'S SUBDIVISION
Legal Lot Number2-8
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group1
Census Block1005
Census Tract950800

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 RecordIndividual Name on Record
Mailing Address605 N 3RD ST, EFFINGHAM, IL 62401-3331
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 2, 2021 · Amount on Record
Deed SaleAug 2, 2021 · Amount on Record
Deed Document Number202121003888
Deed Book / Page3711 / 117
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM IL
Recording DateAug 2, 2021
Property Address605 N 3RD ST, EFFINGHAM, IL 62401-3331
Document Number3711/117
Book / Page3711 / 117
Instrument DateJul 30, 2021
Instrument202121003888
Transaction TypeTransfer
Record UpdatedSep 29, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$177.75
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address605 N 3RD ST, EFFINGHAM, IL 62401-3331

Mortgage

Document Number202121003889
DateAug 2, 2021
Instrument202121003889
Lender
NameFIRST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051
Interest
Rate TypeFixed Rate
Rate3.25%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,411.00 (+71.85%)$48,740 (+31.91%) Land $14,500 Building $34,240$146,220 (+31.91%) Land $43,500 Building $102,720
2022$1,403.00 Homeowner's exemption$36,950 Land $10,990 Building $25,960$110,850 Land $32,970 Building $77,880

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1993)
Most Recent ClaimJul 1993 · river or lake flooding

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 RiskNot 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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 434 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Wabash Communications
Fiber		1,000 / 1,000
Mediacom Xtream
Cable		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.

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures