704 S Willow St, Effingham, IL 62401 Property Records

Effingham County property record for 704 S Willow St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 908 sqft · built 1949
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Jul 2023)
Tax Bill	$1,222 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-052-003`

Property Details

APN / Parcel Number

Primary APN	`03-16-052-003`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	908 sqft Base Area
1st Floor Area	908 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	704 S WILLOW ST
City	EFFINGHAM
State	IL
Zip	62401-3863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 9 EDA A AUSTIN SUB 3870/282 3809/199 2985/176 1130/136 828/116
Legal Subdivision	EDA A AUSTIN SUBDIVISION
Legal Block	9
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2036
Census Tract	950600

Owner

704 S Willow St is owned and occupied by an individual who bought it in July 2023.

Source: Effingham County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	704 S WILLOW ST, EFFINGHAM, IL 62401-3863
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
Jul 28, 2023	Warranty Deed, Transfer · Closed-End Mortgage TEUTOPOLIS STATE BANK
Sep 7, 2022	Warranty Deed, Transfer THE LUKA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on File
Deed Sale	Jul 28, 2023 · Amount on File
Prior Sale	Sep 7, 2022 · Amount on File
Deed Document Number	20232462
Deed Book / Page	3870 / 282
Prior Transfer Date	Sep 26, 2013
Prior Transfer Doc	2985/176
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 28, 2023
Property Address	704 S WILLOW ST, EFFINGHAM, IL 62401-3863
Document Number	003870/282
Book / Page	3870 / 282
Map Reference	PL 2 PG 3
Instrument Date	Jul 26, 2023
Instrument	202323002462
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S WILLOW ST, EFFINGHAM, IL 62401-3863

Mortgage

Document Number	202323002463
Date	Jul 28, 2023
Instrument	202323002463

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Sep 1, 2028

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 7, 2022
Property Address	704 S WILLOW ST, EFFINGHAM, IL 62401-3863
Document Number	003809/199
Book / Page	3809 / 199
Map Reference	PL 2 PG 3
Instrument Date	Sep 2, 2022
Instrument	202222003683
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S WILLOW ST, EFFINGHAM, IL 62401-3863

Mortgage

Document Number	202222003684
Date	Sep 7, 2022
Instrument	202222003684

Lender

Name	THE LUKA STATE BANK
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 704 S Willow St was $1,222 with a homeowner's exemption, down 5.5% 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	$1,222.00 (-5.49%) Homeowner's exemption	$27,670 (+10.02%) Land $8,800 Building $18,870	$83,010 (+10.02%) Land $26,400 Building $56,610
2024	$1,293.00	$25,150 Land $8,000 Building $17,150	$75,450 Land $24,000 Building $51,450
2022	$965.00	$20,970 Land $6,670 Building $14,300	$62,910 Land $20,010 Building $42,900

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

Flood

FEMA maps place 704 S Willow St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 704 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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