Effingham County property record for 803 N 3rd St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1,800 sqft · built 1991 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,000 (May 2014) |
| Tax Bill | $4,163 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-021-003 |
| Primary APN | 03-11-021-003 |
|---|
| Building Area | 1,800 sqft Base Area |
|---|---|
| 1st Floor Area | 1,800 sqft |
| Basement Area | 1,800 sqft |
| Unfinished Basement | 1,800 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Street Address | 803 N 3RD ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 K & M SUBD 3037/238 3007/86 2911/1 394/301 |
| Legal Subdivision | K & M SUBDIVISION |
| Legal Lot Number | 2 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 950600 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3110 S BANKER ST, EFFINGHAM, IL 62401-2905 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO |
| Feb 22, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2014 · Amount on Record |
| Deed Sale | May 28, 2014 · Amount on Record |
| Prior Sale | Dec 27, 2012 · Amount on Record |
| Deed Document Number | 20141402180 |
| Deed Book / Page | 3037 / 238 |
| Prior Transfer Date | Jan 2, 2014 |
| Prior Transfer Doc | 003007/086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 803 N 3RD ST, EFFINGHAM, IL 62401-3137 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202525004635 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 202525004635 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|---|
| Type | Bank |
| Address | 210 E FAYETTE AVE, EFFINGHAM, IL 62401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 803 N 3RD ST, EFFINGHAM, IL 62401-3137 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003280/156 |
|---|---|
| Date | Feb 22, 2017 |
| Book Page | 3280/156 |
| Instrument | 201701700819 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,163.00 (-8.12%) | $73,790 (+1%) Land $22,300 Building $51,490 | $221,370 (+1%) Land $66,900 Building $154,470 |
| 2024 | $4,531.00 (+11.27%) | $67,080 (+19.89%) Land $20,270 Building $46,810 | $201,240 (+19.89%) Land $60,810 Building $140,430 |
| 2022 | $4,072.00 | $55,950 Land $16,910 Building $39,040 | $167,850 Land $50,730 Building $117,120 |
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.
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.
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.
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 |
| 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.
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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