622 E North Ave, Effingham, IL 62401 Property Records

Effingham County property record for 622 E North Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	2,040 sqft · built 1967
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Tax Bill	$3,656 (2022)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-11-021-027`

Property Details

APN / Parcel Number

Primary APN	`03-11-021-027`

Interior

Stories	1 Story
Building Area	2,040 sqft Base Area
Basement Area	2,040 sqft

Exterior

Year Built	Built 1967
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	622 E NORTH AVE
City	EFFINGHAM
State	IL
Zip	62401-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF KRALMAN'S SUB C N 130FT OF S 170FT OF W 46FT BEGINNING AT NE CORNER LOT 16 BLK 7 KRALMAN'S SUB C & W 72.1FT BLK 6 KRALM
Legal Subdivision	KRALMAN'S SUBDIVISION
Legal Block	7,6
Legal Lot Number	16
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1083
Census Tract	950600

Owner

Source: Effingham County records · APN 03-11-021-027

Assessment roll updated January 1, 2022 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	622 E NORTH AVE, EFFINGHAM, IL 62401-3227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	0001119284
Record Updated	Jun 07, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	622 E NORTH AVE, EFFINGHAM, IL 62401-3227
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003865/113
Date	Jun 26, 2023
Book Page	3865/113
Instrument	202323002087

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate	9.99%

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	$3,656.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$66,620 Land $14,140 Building $52,480	$199,860 Land $42,420 Building $157,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wabash Telephone Cooperative Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Consolidated Communications DSL	200 / 40
LTD Broadband Fixed Wireless	150 / 130

May also be available: T-Mobile USA.

Based on FCC filings for 148 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EFFINGHAM serves 12,252 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.