610 E North Ave, Effingham, IL 62401 Property Records

Effingham County property record for 610 E North Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,756 sqft · built 1969
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Oct 2018)
Tax Bill	$4,616 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-005-077`

Property Details

APN / Parcel Number

Primary APN	`03-16-005-077`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,756 sqft Base Area
1st Floor Area	1,756 sqft
Basement Area	1,448 sqft
Unfinished Basement	1,448 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	610 E NORTH AVE
City	EFFINGHAM
State	IL
Zip	62401-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 LESS W 18FT & ALL LOT 3 BLK 1 WN PETTY SUBD 3424/137 3006/154 1217/71 390/289
Legal Subdivision	PETTY SUBDIVISION
Legal Block	1
Legal Lot Number	2-3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1083
Census Tract	950600

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 Record	Individual Name on Record
Mailing Address	610 E NORTH AVE, EFFINGHAM, IL 62401-3227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Oct 26, 2018	Special Warranty Deed, Transfer · VA Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	Dec 30, 2013 · Amount on Record
Deed Document Number	20181804496
Deed Book / Page	3424 / 137
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	610 E NORTH AVE, EFFINGHAM, IL 62401-3227
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	FORT SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3663/33
Date	Mar 3, 2021
Book Page	3663/33
Instrument	202121001039

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	610 E NORTH AVE, EFFINGHAM, IL 62401-3227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3610/258
Date	Sep 15, 2020
Book Page	3610/258
Instrument	202020005089

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Apr 1, 2050

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 26, 2018
Property Address	610 E NORTH AVE, EFFINGHAM, IL 62401-3227
Document Number	3424/137
Book / Page	3424 / 137
Map Reference	MB 1 PG 50
Instrument Date	Oct 22, 2018
Instrument	201801804496
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E NORTH AVE, EFFINGHAM, IL 62401-3227

Mortgage

Document Number	201801804497
Date	Oct 26, 2018
Instrument	201801804497

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

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	$4,616.00 (+8.03%)	$92,820 (+31.88%) Land $16,260 Building $76,560	$278,460 (+31.88%) Land $48,780 Building $229,680
2022	$4,273.00 Homeowner's exemption	$70,380 Land $12,330 Building $58,050	$211,140 Land $36,990 Building $174,150

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 169 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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