705 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 705 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Duplex
Details	1,228 sqft · built 1990
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$145,500 (Jan 2018)
Tax Bill	$3,257 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-013-028`

Property Details

APN / Parcel Number

Primary APN	`03-16-013-028`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,228 sqft Base Area
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	705 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3206
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 2 BUSHUR'S TEMPLE AVE SUB 3361/169 3100/9 1047/347 932/122
Legal Subdivision	BUSHUR'S TEMPLE AVE SUBDIVISION
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1002
Census Tract	950800

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	Individual Name on Record
Mailing Address	705 N 3RD ST, EFFINGHAM, IL 62401-3206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 19, 2018	Warranty Deed, Transfer · VA Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	20181800248
Deed Book / Page	3361 / 169
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	705 N 3RD ST, EFFINGHAM, IL 62401-3206
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3690/301
Date	May 27, 2021
Book Page	3690/301
Instrument	202121002673

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 19, 2018
Property Address	705 N 3RD ST, EFFINGHAM, IL 62401-3206
Document Number	3361/169
Book / Page	3361 / 169
Map Reference	PL153-A
Instrument Date	Jan 12, 2018
Instrument	201801800248
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 N 3RD ST, EFFINGHAM, IL 62401-3206
Investor	Possibly a Property Investor

Mortgage

Document Number	201801800249
Date	Jan 19, 2018
Instrument	201801800249

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

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	$3,257.00 (+0.71%)	$63,740 (+31.91%) Land $12,190 Building $51,550	$191,220 (+31.91%) Land $36,570 Building $154,650
2022	$3,234.00 Homeowner's exemption	$48,320 Land $9,240 Building $39,080	$144,960 Land $27,720 Building $117,240

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 (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.

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	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 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.

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