712 S Willow St, Effingham, IL 62401 Property Records

Effingham County property record for 712 S Willow St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 700 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Oct 2020)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-052-006`

Property Details

APN / Parcel Number

Primary APN	`03-16-052-006`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	700 sqft Base Area
1st Floor Area	700 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Masonry / Concrete Block
Lot Area	8,712 sqft (0.2 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	712 S WILLOW ST
City	EFFINGHAM
State	IL
Zip	62401-3863
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 9 EDA A AUSTIN SUB 3626/118 3303/312 2215/233 780/177 697/242
Legal Subdivision	EDA A AUSTIN SUBDIVISION
Legal Block	9
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2036
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	Individual Name on Record
Mailing Address	712 S WILLOW ST, EFFINGHAM, IL 62401-3863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	202020006042
Deed Book / Page	3626 / 118
Prior Transfer Date	Apr 10, 2006
Prior Transfer Doc	2215/233
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 30, 2020
Property Address	712 S WILLOW ST, EFFINGHAM, IL 62401-3863
Document Number	3626/118
Book / Page	3626 / 118
Map Reference	MB 2 PG 3
Instrument Date	Oct 29, 2020
Instrument	202020006042
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 S WILLOW ST, EFFINGHAM, IL 62401-3863

Mortgage

Document Number	202020006043
Date	Oct 30, 2020
Instrument	202020006043

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 31, 2017
Property Address	712 S WILLOW ST, EFFINGHAM, IL 62401-3863
Document Number	3303/312
Book / Page	3303 / 312
Map Reference	MB 2 PG 3
Instrument Date	May 26, 2017
Instrument	201701702358
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	$166.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 S WILLOW ST, EFFINGHAM, IL 62401-3863

Mortgage

Document Number	201701702359
Date	May 31, 2017
Instrument	201701702359

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2027

Interest

Rate	3.5%

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	$2,086.00 (-6.62%) Homeowner's exemption	$42,990 (+10.01%) Land $8,710 Building $34,280	$128,970 (+10.01%) Land $26,130 Building $102,840
2024	$2,234.00 (+28.17%)	$39,080 (+19.88%) Land $7,920 Building $31,160	$117,240 (+19.88%) Land $23,760 Building $93,480
2022	$1,743.00 Homeowner's exemption	$32,600 Land $6,610 Building $25,990	$97,800 Land $19,830 Building $77,970

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 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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