701 S Willow St, Effingham, IL 62401 Property Records

Effingham County property record for 701 S Willow St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,617 sqft · built 1956
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Feb 2019)
Tax Bill	$3,553 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-051-022`

Property Details

APN / Parcel Number

Primary APN	`03-16-051-022`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,617 sqft Base Area
1st Floor Area	1,617 sqft
Basement Area	1 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	31,799 sqft (0.73 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	701 S WILLOW ST
City	EFFINGHAM
State	IL
Zip	62401-3864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1 REICHHELM WOODS 3450/71 1452/312 817/88
Legal Subdivision	REICHHELM WOOD SUBDIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3004
Census Tract	950600

Owner

701 S Willow St is owned and occupied by an individual who bought it in February 2019.

Source: Effingham County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	701 S WILLOW ST, EFFINGHAM, IL 62401-3864
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
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Feb 28, 2019	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Deed Document Number	20191900718
Deed Book / Page	3450 / 71
Prior Transfer Date	Feb 27, 2019
Prior Transfer Doc	003450/071
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 15, 2026
Property Address	701 S WILLOW ST, EFFINGHAM, IL 62401-3864
Document Number	0000003505
Instrument Date	Sep 10, 2026
Instrument	20263505
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 S WILLOW ST, EFFINGHAM, IL 62401-3864

Mortgage

Document Number	0000003505,
Date	Sep 15, 2026
Instrument	20263505

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 28, 2019
Property Address	701 S WILLOW ST, EFFINGHAM, IL 62401-3864
Document Number	003450/071
Book / Page	3450 / 071
Map Reference	MB 3 PG 105
Instrument Date	Feb 27, 2019
Instrument	201901900718
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.25
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 S WILLOW ST, EFFINGHAM, IL 62401-3864

Mortgage

Document Number	201901900719
Date	Feb 28, 2019
Instrument	201901900719

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 701 S Willow St was $3,553 with a homeowner's exemption, down 7.3% from the year before.

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	$3,553.00 (-7.26%) Homeowner's exemption	$68,990 (+1%) Land $21,770 Building $47,220	$206,970 (+1%) Land $65,310 Building $141,660
2024	$3,831.00	$62,720 Land $19,790 Building $42,930	$188,160 Land $59,370 Building $128,790

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 701 S Willow 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

Wildfire risk around 701 S Willow 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.

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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