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706 N Main St, Effingham, IL 62401 Property Records

Effingham County property record for 706 N Main St, Effingham, IL 62401

Property Summary

Property TypeResidential Vacant Land
Lot Size0.08 acres (3,485 sqft)
Owner2 Individual Names on File
Last Sale$170,000 (Jun 2023)
Tax Bill$230 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
May 2013 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-16-010-017

Property Details

APN / Parcel Number

Primary APN03-16-010-017

Exterior

Lot Area3,485 sqft (0.08 acres)

Location & Zoning

Street Address706 N MAIN ST
CityEFFINGHAM
StateIL
Zip62401-2154
Property CategoryResidential
Property TypeVacant Land > Residential
Legal Description26FT N SIDE LOT 6 BLK 2 PLUS S 7.25FT OF ALLEY MCCOY & ARNOLD'S ADD 3862/314 3105/252 2950/122 2045/331 1368/199 1368/197 136
Legal SubdivisionMCCOY & ARNOLD'S ADDITION
Legal Block2
Legal Lot Number6
JurisdictionEFFINGHAM IL
Township / Civil DivisionDOUGLAS
Census Block Group2
Census Block2014
Census Tract950700

Owner

706 N Main St, residential vacant land, is owned by two individuals who bought it in June 2023.

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

Owner of Record2 Individual Names on File
Mailing Address800 N MAIN ST, EFFINGHAM, IL 62401-2156
Owner TypeIndividual

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

DateDocument
Jun 9, 2023Warranty Deed, Transfer · Conventional Mortgage
THE PEOPLES STATE BANK NEWTON ILLIN
May 17, 2013Warranty Deed, Transfer · FHA Mortgage
FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 9, 2023 · Amount on File
Deed SaleJun 9, 2023 · Amount on File
Prior SaleMar 27, 2015
Deed Document Number20231929
Deed Book / Page3862 / 314
Record UpdatedOct 29, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM IL
Recording DateJun 9, 2023
Property Address706 N MAIN ST, EFFINGHAM, IL 62401-2154
Document Number003862/314
Book / Page3862 / 314
Map ReferenceMB 273 PG 250
Instrument DateJun 8, 2023
Instrument202323001929
Transaction TypeTransfer
Record UpdatedJun 9, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$170.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address800 N MAIN ST, EFFINGHAM, IL 62401-2156

Mortgage

Document Number202323001930
DateJun 9, 2023
Instrument202323001930
Lender
NameTHE PEOPLES STATE BANK NEWTON ILLIN
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6.5%
Change Frequency5 Years
Min Rate At Change4.6%
Max Rate At Change9.5%
Index1-Year T-Bill
Max Rate14.5%

May 2013: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionEFFINGHAM IL
Recording DateMay 17, 2013
Property Address706 N MAIN ST, EFFINGHAM, IL 62401-2154
Document Number002950/122
Book / Page2950 / 122
Map ReferenceDD V PG327
Instrument DateMay 16, 2013
Instrument201301302520
Transaction TypeTransfer
Record UpdatedAug 5, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$123.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address800 N MAIN ST, EFFINGHAM, IL 62401-2156

Mortgage

Document Number002950/124
DateMay 17, 2013
Book Page2950/124
Instrument201301302521
Lender
NameFIFTH THIRD MORTGAGE CO
TypeMortgage Company
AddressCINCINNATI, OH 45227
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2043
Interest
Rate TypeFixed Rate
Rate3%

Tax Assessment & Valuation

The 2025 property tax bill for 706 N Main St was $230.

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

Property Jurisdictions

TypeName
StateIllinois
CountyEffingham County
County SubdivisionDouglas Township
MunicipalityEffingham City
Unified School DistrictEffingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$230.00$4,080 Land $4,080$12,240 Land $12,240
2022$206.00$3,090 Land $3,090$9,270 Land $9,270

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 706 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

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

The area around 706 N Main 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 RiskNot 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 SystemEFFINGHAM
serves 12,252 people · EPA ID IL0490250
Water SourceSurface water
Last State InspectionAug 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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