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

Effingham County property record for 609 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 984 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Oct 2026)
Tax Bill	$2,260 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-045-008`

Property Details

APN / Parcel Number

Primary APN	`03-16-045-008`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	984 sqft Base Area
1st Floor Area	984 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	609 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 & PT LOT 10 BLK 33 LOYS 2ND SUB 2686/234 1017/128
Legal Subdivision	LOYS 2ND SUBDIVISION
Legal Block	33
Legal Lot Number	6-10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3002
Census Tract	950600

Owner

Source: Effingham County records, as of October 20, 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	PO BOX 1606, EFFINGHAM, IL 62401-8606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on Record
Deed Sale	Oct 6, 2026 · Amount on Record
Prior Sale	Dec 1, 2010 · Amount on Record
Deed Document Number	20263860
Prior Transfer Date	Feb 7, 2006
Prior Transfer Doc	2201/145
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 6, 2026
Property Address	609 S 3RD ST, EFFINGHAM, IL 62401-3751
Document Number	0000003860
Instrument Date	Oct 6, 2026
Instrument	20263860
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,484.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003861,
Date	Oct 6, 2026
Instrument	20263861

Lender

Name	WASHINGTON SAVINGS BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 6, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$2,260.00 (-6.73%) Homeowner's exemption	$46,060 (+10.01%) Land $10,870 Building $35,190	$138,180 (+10.01%) Land $32,610 Building $105,570
2024	$2,423.00 (+27.53%)	$41,870 (+19.9%) Land $9,880 Building $31,990	$125,610 (+19.9%) Land $29,640 Building $95,970
2022	$1,900.00 Homeowner's exemption	$34,920 Land $8,240 Building $26,680	$104,760 Land $24,720 Building $80,040

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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