703 E Jefferson Ave, Effingham, IL 62401 Property Records

Effingham County property record for 703 E Jefferson Ave, Effingham, IL 62401 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,526 sqft · built 1920
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (May 2026)
Tax Bill	$3,977 (2024)
Deeds & Mortgages	Jul 2016 Line of Credit May 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-031-051`

Property Details

APN / Parcel Number

Primary APN	`03-16-031-051`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,526 sqft Base Area
1st Floor Area	1,526 sqft
Basement Area	763 sqft
Unfinished Basement	763 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	703 E JEFFERSON AVE
City	EFFINGHAM
State	IL
Zip	62401-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 BLK 34 SURVEYOR'S ADD A 3812/148 3497/254 2744/218 2134/336 938/109
Legal Subdivision	SURVEYOR'S ADDITION
Legal Block	34
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2028
Census Tract	950600

Owner

Source: Effingham County records · APN 03-16-031-051

Assessment roll updated September 9, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	104 N COLUMBIA ST, GREENUP, IL 62428-1168
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2016	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
May 28, 2026	Warranty Deed, Transfer · Construction Mortgage NONE LISTED ON DOCUMENT
Sep 19, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 19, 2019	Warranty Deed, Transfer THE TITLE CENTER/FL, THE TITLE CENTER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	20261951
Prior Transfer Date	Jul 25, 2011
Prior Transfer Doc	002744/218
Record Updated	Sep 20, 2026

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	703 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003225/082
Date	Jul 20, 2016
Book Page	3225/082
Instrument	201601603201

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 28, 2026
Property Address	703 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Document Number	0000001951
Instrument Date	May 22, 2026
Instrument	20261951
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	104 N COLUMBIA ST, GREENUP, IL 62428-1168

Mortgage

Document Number	0000001952,
Date	May 28, 2026
Instrument	20261952

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 18, 2027

Interest

Rate	6.3%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 19, 2022
Property Address	703 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Document Number	003812/148
Book / Page	3812 / 148
Instrument Date	Sep 13, 2022
Instrument	202222003846
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	703 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408

Mortgage

Document Number	202222003847
Date	Sep 19, 2022
Instrument	202222003847

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.75%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 19, 2019
Property Address	703 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Document Number	003497/254
Book / Page	3497 / 254
Instrument Date	Sep 19, 2019
Instrument	201901903737
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Tax	$114.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15070 N TWIN CT, EFFINGHAM, IL 62401-4636

Tax Assessment & Valuation

Source: Effingham County records · Assessment roll updated September 9, 2025 · Last verified June 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,977.00 (+96.69%)	$64,880 (+76.45%) Land $13,200 Building $51,680	$194,640 (+76.45%) Land $39,600 Building $155,040
2022	$2,022.00	$36,770 Land $11,010 Building $25,760	$110,310 Land $33,030 Building $77,280

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Effingham County (17049C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

703 E Jefferson Ave, Effingham, IL 62401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2016: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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