Effingham County property record for 809 S Willow St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 2,362 sqft · built 1972 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,144 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-051-017 |
| Primary APN | 03-16-051-017 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,362 sqft Base Area |
| 1st Floor Area | 2,362 sqft |
| Basement Area | 2,282 sqft |
| Unfinished Basement | 2,282 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 809 S WILLOW ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK 1 REICHHELM WOODS 2741/267 462/208 |
| Legal Subdivision | REICHHELM WOOD SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 950600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 809 S WILLOW ST, EFFINGHAM, IL 62401-3866 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2011 |
| Deed Sale | Jul 15, 2011 |
| Deed Document Number | 20111103135 |
| Deed Book / Page | 2741 / 267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 809 S WILLOW ST, EFFINGHAM, IL 62401-3866 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3616/46 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 3616/46 |
| Instrument | 202020005406 |
| Name | FIDELITY BANK NA |
|---|---|
| Type | Bank |
| Address | WICHITA, KS 67202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
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 | $6,144.00 (+13.93%) | $114,900 (+31.9%) Land $18,990 Building $95,910 | $344,700 (+31.9%) Land $56,970 Building $287,730 |
| 2022 | $5,393.00 Homeowner's exemption | $87,110 Land $14,390 Building $72,720 | $261,330 Land $43,170 Building $218,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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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