8103 N 1425th St, Effingham, IL 62401 Property Records

Effingham County property record for 8103 N 1425th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,160 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,600 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-021-038`

Property Details

APN / Parcel Number

Primary APN	`14-10-021-038`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,160 sqft Base Area
1st Floor Area	2,160 sqft
Basement Area	2,160 sqft
Unfinished Basement	2,160 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	8103 N 1425TH ST
City	EFFINGHAM
State	IL
Zip	62401-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 5AC OF S 12AC E 1/2 SW SW 3351/46 1921/211 701/159 700/137 700/136
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2044
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	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Apr 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jan 29, 2018	Deed of Trust, Mortgage · Construction Mortgage DIETERICH BANK NA
Nov 28, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 27, 2017
Transfer Doc	3351/046
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Transaction Type	Mortgage
Record Updated	Jun 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3566/186
Date	May 22, 2020
Book Page	3566/186
Instrument	202020002514

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Transaction Type	Mortgage
Record Updated	Dec 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3510/002
Date	Nov 1, 2019
Book Page	3510/002
Instrument	201901904483

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3455/127
Date	Apr 1, 2019
Book Page	3455/127
Instrument	201901901060

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201801800336
Date	Jan 29, 2018
Book Page	3362/319
Instrument	201801800336

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 25, 2019

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 28, 2017
Property Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108
Document Number	3351/046
Book / Page	3351 / 046
Instrument Date	Nov 27, 2017
Instrument	201701705502
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 TRAIL OF TEARS RD, 248, GOLCONDA, IL 62938-4224

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8103 N 1425TH ST, EFFINGHAM, IL 62401-7108

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	$5,600.00 (+8.23%) Homeowner's exemption	$111,640 (+1%) Land $8,550 Building $103,090	$334,920 (+1%) Land $25,650 Building $309,270
2024	$5,174.00 (+570.21%)	$101,490 (+21.56%) Land $7,770 Building $93,720	$304,470 (+21.56%) Land $23,310 Building $281,160
2022	$772.00 Homeowner's exemption	$83,490 Land $6,390 Building $77,100	$250,470 Land $19,170 Building $231,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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