801 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 801 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	3,372 sqft · built 1990
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$240,000 (Dec 2018)
Tax Bill	$8,157 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-021-002`

Property Details

APN / Parcel Number

Primary APN	`03-11-021-002`

Interior

Building Area	3,372 sqft Base Area
1st Floor Area	3,372 sqft
Basement Area	3,372 sqft
Unfinished Basement	3,372 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	801 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3137
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 1 K & M SUBD EXCEPT ROW 3433/267 563/49
Legal Subdivision	K & M SUBDIVISION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1066
Census Tract	950600

Owner

801 N 3rd St, a commercial property, is owned by a company that bought it in December 2018.

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

Owner of Record	Company Name on File
Mailing Address	801 N 3RD ST, EFFINGHAM, IL 62401-3137
Owner Type	Company
Vesting	Company

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

Date	Document
Jan 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO
Dec 7, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Deed Document Number	20181805080
Deed Book / Page	3433 / 267
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	801 N 3RD ST, EFFINGHAM, IL 62401-3137
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003526/004
Date	Jan 9, 2020
Book Page	3526/004
Instrument	202020000127

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 7, 2018
Property Address	801 N 3RD ST, EFFINGHAM, IL 62401-3137
Document Number	003433/267
Book / Page	3433 / 267
Map Reference	MB 922 PG 10
Instrument Date	Dec 7, 2018
Instrument	201801805080
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 N 3RD ST, EFFINGHAM, IL 62401-3137

Mortgage

Document Number	201801805081
Date	Dec 7, 2018
Instrument	201801805081

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 801 N 3rd St was $8,157.

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	$8,157.00	$144,590 Land $30,240 Building $114,350	$433,770 Land $90,720 Building $343,050
2022	$6,552.00	$109,630 Land $22,930 Building $86,700	$328,890 Land $68,790 Building $260,100

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

FEMA maps place 801 N 3rd 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 801 N 3rd 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 Risk	Not 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 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 434 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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