Effingham County property record for 605 S 3rd St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,232 sqft · built 1977 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,040 (2025) |
| Deeds & Mortgages | Mar 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-045-010 |
| Primary APN | 03-16-045-010 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,232 sqft Base Area |
| 1st Floor Area | 1,232 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 605 S 3RD ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 20FT LOT 3 & ALL LOT 4 & THAT PT LOT 9 LYING W THERE OF BLK 33 LOYS 2ND SUB 3451/176 710/81 |
| Legal Subdivision | LOYS 2ND SUBDIVISION |
| Legal Block | 33 |
| Legal Lot Number | 3-9 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 950600 |
605 S 3rd St is owned and occupied by an individual who acquired it in January 2019.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 605 S 3RD ST, EFFINGHAM, IL 62401-3751 |
| 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 | Name on Deed |
|---|---|
| Last Transfer Date | Jan 8, 2019 |
| Transfer Doc | 3451/176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Mar 8, 2019 |
| Property Address | 605 S 3RD ST, EFFINGHAM, IL 62401-3751 |
| Document Number | 3451/176 |
| Book / Page | 3451 / 176 |
| Map Reference | MB 257 PG 167 |
| Instrument Date | Jan 8, 2019 |
| Instrument | 201901900811 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 605 S 3RD ST, EFFINGHAM, IL 62401-3751 |
The 2025 property tax bill for 605 S 3rd St was $3,040 with exemptions applied, down 6.8% 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 | $3,040.00 (-6.78%) Homeowner's exemption Disabled Person's exemption | $61,900 (+10.01%) Land $14,520 Building $47,380 | $185,700 (+10.01%) Land $43,560 Building $142,140 |
| 2024 | $3,261.00 | $56,270 Land $13,200 Building $43,070 | $168,810 Land $39,600 Building $129,210 |
| 2022 | $1,225.00 Homeowner's exemption Senior Citizen's exemption | $46,930 Land $11,010 Building $35,920 | $140,790 Land $33,030 Building $107,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 605 S 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 risk around 605 S 3rd 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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