Effingham County property record for 704 N 3rd St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,242 sqft · built 1923 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $579,000 (Jan 2025) |
| Tax Bill | $2,942 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-013-036 |
| Primary APN | 03-16-013-036 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,242 sqft Base Area |
| 1st Floor Area | 1,242 sqft |
| Basement Area | 810 sqft |
| Unfinished Basement | 810 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 704 N 3RD ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 1 THIES & JANSEN 25000113 3727/201 2005/176 1283/40 |
| Legal Subdivision | THIES & JANSENS SUB |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950800 |
704 N 3rd St is owned and occupied by an individual who bought it in January 2025.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 508 S 3RD ST, EFFINGHAM, IL 62401-3748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2025 · Amount on File |
| Deed Sale | Jan 13, 2025 · Amount on File |
| Prior Sale | Sep 28, 2021 · Amount on File |
| Deed Document Number | 2025113 |
| Prior Transfer Date | Mar 1, 2004 |
| Prior Transfer Doc | 0020401283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Sep 28, 2021 |
| Property Address | 704 N 3RD ST, EFFINGHAM, IL 62401-3205 |
| Document Number | 3727/201 |
| Book / Page | 3727 / 201 |
| Map Reference | MB 1 PG 26 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 202121004854 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 704 N 3RD ST, EFFINGHAM, IL 62401-3205 |
| Document Number | 202121004855 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 202121004855 |
| Name | LAND OF LINCOLN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 704 N 3rd St was $2,942 with a homeowner's exemption.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,942.00 | $58,150 Land $13,750 Building $44,400 | $174,450 Land $41,250 Building $133,200 |
| 2022 | $2,513.00 Homeowner's exemption | $44,080 Land $10,420 Building $33,660 | $132,240 Land $31,260 Building $100,980 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 704 N 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 (1993) |
| Most Recent Claim | Jul 1993 · 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.
The area around 704 N 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 434 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures