606 E Kentucky Ave, Effingham, IL 62401 Property Records

Effingham County property record for 606 E Kentucky Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,391 sqft · built 1963
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$172,000 (May 2021)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-015-016`

Property Details

APN / Parcel Number

Primary APN	`03-16-015-016`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,391 sqft Base Area
1st Floor Area	1,391 sqft
Basement Area	1,391 sqft
Unfinished Basement	1,391 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	606 E KENTUCKY AVE
City	EFFINGHAM
State	IL
Zip	62401-3358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 2 ENGBRING 2ND SUB 3687/17 3312/344 286/210
Legal Subdivision	ENGBRING 2ND SUBDIVISION
Legal Block	2
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1090
Census Tract	950600

Owner

606 E Kentucky Ave is owned and occupied by two individuals who bought it in May 2021.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	606 E KENTUCKY AVE, EFFINGHAM, IL 62401-3358
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.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Aug 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Jun 30, 2017	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	202121002450
Deed Book / Page	3687 / 17
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 17, 2021
Property Address	606 E KENTUCKY AVE, EFFINGHAM, IL 62401-3358
Document Number	3687/17
Book / Page	3687 / 17
Map Reference	MB 29 PG 535
Instrument Date	May 13, 2021
Instrument	202121002450
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	808 E JEFFERSON AVE, 808, EFFINGHAM, IL 62401-3411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	606 E KENTUCKY AVE, EFFINGHAM, IL 62401-3358

Mortgage

Document Number	202121002451
Date	May 17, 2021
Instrument	202121002451

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	606 E KENTUCKY AVE, EFFINGHAM, IL 62401-3358
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701703905
Date	Aug 10, 2017
Book Page	3326/077
Instrument	201701703905

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	Effingham, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	210 Months
Due	Feb 15, 2035

Interest

Rate	4.78%

June 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 30, 2017
Property Address	606 E KENTUCKY AVE, EFFINGHAM, IL 62401-3358
Document Number	3312/344
Book / Page	3312 / 344
Map Reference	MB 29 PG 535
Instrument Date	Jun 30, 2017
Instrument	201701702923
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Tax	$186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 N PARKVIEW ST, 1000, EFFINGHAM, IL 62401-3152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 E JEFFERSON AVE, EFFINGHAM, IL 62401-3411

Tax Assessment & Valuation

The 2025 property tax bill for 606 E Kentucky Ave was $3,317 with a homeowner's exemption.

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	$3,317.00	$64,800 Land $9,110 Building $55,690	$194,400 Land $27,330 Building $167,070
2022	$3,080.00 Homeowner's exemption	$46,010 Land $6,910 Building $39,100	$138,030 Land $20,730 Building $117,300

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

FEMA maps place 606 E Kentucky Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 606 E Kentucky Ave is low, with less than 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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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 273 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	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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