7904 N 1430th St, Effingham, IL 62401 Property Records

Effingham County property record for 7904 N 1430th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	672 sqft · built 1971
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Dec 2020)
Tax Bill	$455 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit Oct 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-028-027`

Property Details

APN / Parcel Number

Primary APN	`14-10-028-027`

Interior

Bedrooms	1 Bed
Building Area	672 sqft Base Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	7904 N 1430TH ST
City	EFFINGHAM
State	IL
Zip	62401-7106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 NE NE NW 25004083 3642/7 3473/5 3149/71 1223/170 965/150
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2043
Census Tract	950500

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	2 Individual Names on Record
Mailing Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit CLAY COUNTY STATE BANK
Oct 8, 2024	Deed of Trust, Mortgage · Closed-End Mortgage TEUTOPOLIS STATE BANK
Nov 12, 2025	Intrafamily Transfer, Transfer · Closed-End Mortgage TEUTOPOLIS STATE BANK
Dec 21, 2020	Warranty Deed, Construction Loan · Construction Mortgage TEUTOPOLIS STATE BANK
Jun 13, 2019	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	202020006986
Deed Book / Page	3642 / 7
Last Transfer Date	Nov 6, 2025
Transfer Doc	0000004083
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003479/267
Date	Jul 15, 2019
Book Page	3479/267
Instrument	201901902645

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank
Address	LOUISVILLE, IL 62858

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Sep 6, 2024

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106

Mortgage

Document Number	202424003320
Date	Oct 8, 2024
Instrument	202424003320

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	106 E MAIN ST, TEUTOPOLIS, IL 62467

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Mar 25, 2025

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 12, 2025
Property Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Document Number	202525004083
Instrument Date	Nov 6, 2025
Instrument	202525004083
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106

Mortgage

Document Number	202525004085
Date	Nov 12, 2025
Instrument	202525004085

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2030

Interest

Rate	6.75%

December 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 21, 2020
Property Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Document Number	3642/7
Book / Page	3642 / 7
Instrument Date	Dec 18, 2020
Instrument	202020006986
Transaction Type	Construction Loan
Record Updated	Aug 5, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106

Mortgage

Document Number	202020006987
Date	Dec 21, 2020
Instrument	202020006987

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 18, 2035

Interest

Rate	2.2%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 13, 2019
Property Address	7904 N 1430TH ST, EFFINGHAM, IL 62401-7106
Document Number	3473/005
Book / Page	3473 / 005
Instrument Date	Jun 12, 2019
Instrument	201901902185
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$88.50
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	1315 W ENGLAND ST, TAYLORVILLE, IL 62568-2074

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Watson Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$455.00 (+15.78%)	$14,600 (+10.02%) Land $8,550 Building $6,050	$43,800 (+10.02%) Land $25,650 Building $18,150
2024	$393.00 (-31.29%) Homeowner's exemption	$13,270 (+21.52%) Land $7,770 Building $5,500	$39,810 (+21.52%) Land $23,310 Building $16,500
2022	$572.00 Homeowner's exemption	$10,920 Land $6,390 Building $4,530	$32,760 Land $19,170 Building $13,590

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Direct burnable vegetation

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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