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

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,758 sqft · built 1959
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$256,500 (Dec 2022)
Tax Bill	$4,269 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-050-040`

Property Details

APN / Parcel Number

Primary APN	`03-16-050-040`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,758 sqft Base Area
1st Floor Area	1,758 sqft
Basement Area	1,733 sqft
Unfinished Basement	1,733 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)

Location & Zoning

Street Address	801 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 1 N 1/2 SW NW & ALSO A PT OF NOW ABANDONED ROW OF IC RR 3829/130 3784/282 2985/82 2885/90 2831/133 2003/303 1290/185 3
Legal Subdivision	MV PARKS ADDITION TO BLISS PARK ADDITION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3005
Census Tract	950600

Owner

801 S 3rd St is owned and occupied by two individuals who bought it in December 2022.

Source: Effingham County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	801 S 3RD ST, EFFINGHAM, IL 62401-3859
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 7, 2022	Re-recorded Document · Conventional Mortgage LAND OF LINCOLN CU
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage LAND OF LINCOLN CU
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2022 · Amount on File
Deed Sale	Dec 7, 2022 · Amount on File
Prior Sale	May 19, 2022 · Amount on File
Deed Document Number	20224956
Deed Book / Page	3829 / 130
Prior Transfer Date	May 18, 2022
Prior Transfer Doc	003829/130
Record Updated	Oct 29, 2026

December 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 7, 2022
Property Address	801 S 3RD ST, EFFINGHAM, IL 62401-3859
Document Number	003829/130
Book / Page	3829 / 130
Instrument Date	May 18, 2022
Instrument	202222004956
Record Updated	Jan 23, 2023
Title Company	ALLIED CAPITAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 E GORDON AVE, EFFINGHAM, IL 62401-3722

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	801 S 3RD ST, EFFINGHAM, IL 62401-3859

Mortgage

Document Number	202222004957
Date	Dec 7, 2022
Instrument	202222004957

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 19, 2022
Property Address	801 S 3RD ST, EFFINGHAM, IL 62401-3859
Document Number	003784/282
Book / Page	3784 / 282
Instrument Date	May 18, 2022
Instrument	202222002100
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 E GORDON AVE, 717, EFFINGHAM, IL 62401-3722

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1411 GOLF TER, DANVILLE, IL 61832-1253

Mortgage

Document Number	202222002101
Date	May 19, 2022
Instrument	202222002101

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.87%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	801 S 3RD ST, EFFINGHAM, IL 62401-3859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3590/200
Date	Jul 17, 2020
Book Page	3590/200
Instrument	202020003877

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 801 S 3rd St was $4,269 with a homeowner's exemption, down 7.4% from the year before.

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	$4,269.00 (-7.4%) Homeowner's exemption	$81,680 (+10.01%) Land $30,530 Building $51,150	$245,040 (+10.01%) Land $91,590 Building $153,450
2024	$4,610.00	$74,250 Land $27,750 Building $46,500	$222,750 Land $83,250 Building $139,500
2022	$3,707.00 Homeowner's exemption Senior Citizen's exemption	$61,930 Land $23,150 Building $38,780	$185,790 Land $69,450 Building $116,340

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 S 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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

Wildfire risk around 801 S 3rd St is low, with a 0.01% annual chance of 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	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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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