704 E 500th Ave, Saint Elmo, IL 62458 Property Records

Effingham County property record for 704 E 500th Ave, Saint Elmo, IL 62458

Property Summary

Property Type	Single Family Home
Details	1,446 sqft · built 1976
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Nov 2002)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-01-006-012`

Property Details

APN / Parcel Number

Primary APN	`15-01-006-012`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,446 sqft Base Area
1st Floor Area	1,446 sqft
Basement Area	1,446 sqft
Unfinished Basement	1,446 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Masonry / Concrete Block
Lot Area	74,923 sqft (1.72 acres)
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	704 E 500TH AVE
City	SAINT ELMO
State	IL
Zip	62458-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 204FT OF E 368FT SW SE 1825/109 1581/249 1167/153 1055/114 829/341 532/203 530/350
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WEST
Census Block Group	4
Census Block	4070
Census Tract	950300

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	2 Individual Names on Record
Mailing Address	704 E 500TH AVE, SAINT ELMO, IL 62458-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Dec 21, 2018	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF BEECHER CITY
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF BEECHER CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2002 · Amount on Record
Deed Sale	Nov 27, 2002 · Amount on Record
Deed Document Number	20022028291
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	704 E 500TH AVE, SAINT ELMO, IL 62458-2015
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202323003358
Date	Oct 16, 2023
Instrument	202323003358

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 6, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.77%
Type Change Date	Oct 6, 2030
Change Frequency	Annually
Min Rate At Change	5.77%
Max Rate At Change	9.77%
Index	1-Year T-Bill
Max Rate	12.7%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	704 E 500TH AVE, SAINT ELMO, IL 62458-2015
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3437/075
Date	Dec 21, 2018
Book Page	3437/075
Instrument	201801805351

Lender

Name	FIRST STATE BANK OF BEECHER CITY
Type	Bank
Address	BEECHER CITY, IL 62414

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jan 17, 2024

Interest

Rate	6.25%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	704 E 500TH AVE, SAINT ELMO, IL 62458-2015
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3658/159
Date	Feb 18, 2021
Book Page	3658/159
Instrument	202121000768

Lender

Name	FIRST STATE BANK OF BEECHER CITY
Type	Bank
Address	BEECHER CITY, IL 62414

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	West Township
Unified School District	Altamont Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,529.00 (+6.94%)	$60,820 (+18.23%) Land $3,970 Building $56,850	$182,460 (+18.23%) Land $11,910 Building $170,550
2022	$3,300.00 Homeowner's exemption	$51,440 Land $2,980 Building $48,460	$154,320 Land $8,940 Building $145,380

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 (1990)
Most Recent Claim	Nov 1990 · river or lake flooding

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	Not rated no burnable land within 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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
KNR Wireless Fixed Wireless	100 / 10

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E 500th Ave

Nearby Streets

All Saint Elmo, IL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures