705 S Willow St, Effingham, IL 62401 Property Records

Effingham County property record for 705 S Willow St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,360 sqft · built 1953
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,000 (May 2023)
Tax Bill	$5,191 (2025)
Deeds & Mortgages	May 2023 Sale Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-051-020`

Property Details

APN / Parcel Number

Primary APN	`03-16-051-020`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,360 sqft Base Area
1st Floor Area	2,360 sqft
Basement Area	1,520 sqft
Unfinished Basement	1,520 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Masonry / Concrete Block
Lot Area	23,958 sqft (0.55 acres)
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	705 S WILLOW ST
City	EFFINGHAM
State	IL
Zip	62401-3864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 1 REICHHELM WOODS 3859/321 3667/77 3480/185 2945/234 2310/339 2150/35 2024/324 1919/178 1674/73
Legal Subdivision	REICHHELM WOOD SUBDIVISION
Legal Block	1
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3004
Census Tract	950600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Warranty Deed, Transfer NOT AVAILABLE, ACT
Mar 15, 2021	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Jul 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	20231761
Deed Book / Page	3859 / 321
Prior Transfer Date	Jul 19, 2005
Prior Transfer Doc	2150/035
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 24, 2023
Property Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864
Document Number	003859/321
Book / Page	3859 / 321
Map Reference	MB 3 PG 105
Instrument Date	May 23, 2023
Instrument	202323001761
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Tax	$359.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 NORTHWOOD DR, EFFINGHAM, IL 62401-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 15, 2021
Property Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864
Document Number	3667/77
Book / Page	3667 / 77
Map Reference	MB 3 PG 105
Instrument Date	Mar 12, 2021
Instrument	202121001252
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	706 S WILLOW ST, 706, EFFINGHAM, IL 62401-3863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864

Mortgage

Document Number	202121001253
Date	Mar 15, 2021
Instrument	202121001253

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 17, 2019
Property Address	705 S WILLOW ST, EFFINGHAM, IL 62401-3864
Document Number	3480/185
Book / Page	3480 / 185
Instrument Date	Jul 16, 2019
Instrument	201901902686
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.00
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	705 S WILLOW ST, EFFINGHAM, IL 62401-3864

Mortgage

Document Number	201901902687
Date	Jul 17, 2019
Instrument	201901902687

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$5,191.00 (-7.53%) Homeowner's exemption	$98,010 (+1%) Land $16,430 Building $81,580	$294,030 (+1%) Land $49,290 Building $244,740
2024	$5,614.00 (+23.79%)	$89,100 (+19.9%) Land $14,940 Building $74,160	$267,300 (+19.9%) Land $44,820 Building $222,480
2022	$4,535.00 Homeowner's exemption	$74,310 (+0.99%) Land $12,460 Building $61,850	$222,930 (+0.99%) Land $37,380 Building $185,550
2021		$73,580 Land $12,340 Building $61,240	$220,740 Land $37,020 Building $183,720
2018	$4,535.00

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 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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	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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