707 E Jefferson Ave, Effingham, IL 62401 Property Records

Effingham County property record for 707 E Jefferson Ave, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	2,863 sqft
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Company Names on Record
Last Sale	$185,000 (Mar 2017)
Tax Bill	$2,608 (2025)
Deeds & Mortgages	May 2019 Line of Credit Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-031-052`

Property Details

APN / Parcel Number

Primary APN	`03-16-031-052`

Interior

Building Area	3,280 sqft Base Area
1st Floor Area	3,280 sqft
Basement Area	2,863 sqft
Unfinished Basement	3,524 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	23,522 sqft (0.54 acres)
Garage Area	440 sqft

Location & Zoning

Street Address	707 E JEFFERSON AVE
City	EFFINGHAM
State	IL
Zip	62401-3408
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	N 1/2 LOT 2 LOT 33 SURVEYOR'S ADD A 3289/186 2506/327 1364/72 773/7
Legal Subdivision	SURVEYOR'S ADDITION
Legal Lot Number	2-33
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2028
Census Tract	950600

Owner

Source: Effingham County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2292 E COUNTY ROAD 020N, MATTOON, IL 61938-8666
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 9, 2019	Deed of Trust, Mortgage · Line of Credit SCOTT STATE BANK
Mar 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage SCOTT STATE BANK
May 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage SCOTT STATE BANK
Mar 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	Apr 6, 2009
Deed Document Number	20171701425
Deed Book / Page	3289 / 186
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	707 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3464/092
Date	May 9, 2019
Book Page	3464/092
Instrument	201901901628

Lender

Name	SCOTT STATE BANK
Type	Bank
Address	SULLIVAN, IL 61951

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 4, 2024

Interest

Rate Type	Adjustable Rate
Rate	7%
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	707 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3538/323
Date	Mar 2, 2020
Book Page	3538/323
Instrument	202020000949

Lender

Name	SCOTT STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	707 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3464/080
Date	May 9, 2019
Book Page	3464/080
Instrument	201901901627

Lender

Name	SCOTT STATE BANK
Type	Bank
Address	SULLIVAN, IL 61951

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Apr 6, 2026

Interest

Rate	6%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 31, 2017
Property Address	707 E JEFFERSON AVE, EFFINGHAM, IL 62401-3408
Document Number	3289/186
Book / Page	3289 / 186
Map Reference	PL 29 PG 350
Instrument Date	Mar 28, 2017
Instrument	201701701425
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 DAVIS DR, 103, WATSON, IL 62473-1070

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2292 COUNTY ROAD 020 N, MATTOON, IL 61938

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	$2,608.00 (-31.94%)	$46,230 (-19.25%) Land $17,810 Building $28,420	$138,690 (-19.25%) Land $53,430 Building $85,260
2022	$3,832.00	$57,250 Land $13,500 Building $43,750	$171,750 Land $40,500 Building $131,250

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 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 273 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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