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

Effingham County property record for 812 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	912 sqft · built 1985
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Mar 2022)
Tax Bill	$1,656 (2022)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-050-056`

Property Details

APN / Parcel Number

Primary APN	`03-16-050-056`

Interior

Stories	1 Story
Building Area	912 sqft Base Area

Exterior

Year Built	Built 1985
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	812 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL THAT PT LOT 1 LYING E OF 3RD STREET BLK 1 M.V. PARKS ADD TO BLISS PARK & N 1/2 VACATED CLARK AV 3769/53 3729/194 3461/174
Legal Subdivision	PARKS ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3003
Census Tract	950600

Owner

Source: Effingham County records, as of August 24, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Oct 7, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	202222001100
Deed Book / Page	3769 / 53
Record Updated	Jun 7, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 15, 2022
Property Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858
Document Number	0003769/53
Book / Page	3769 / 53
Map Reference	MB 29 PG 70
Instrument Date	Mar 11, 2022
Instrument	202222001100
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858

Mortgage

Document Number	202222001101
Date	Mar 15, 2022
Instrument	202222001101

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 7, 2021
Property Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858
Document Number	3729/194
Book / Page	3729 / 194
Map Reference	MB 29 PG 70
Instrument Date	Oct 4, 2021
Instrument	202121004993
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$154.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 29, 2019
Property Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858
Document Number	003461/174
Book / Page	3461 / 174
Map Reference	MB 29 PG 70
Instrument Date	Apr 26, 2019
Instrument	201901901461
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 S 3RD ST, EFFINGHAM, IL 62401-3858

Mortgage

Document Number	201901901462
Date	Apr 29, 2019
Instrument	201901901462

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,656.00 Homeowner's exemption	$35,010 Land $13,700 Building $21,310	$105,030 Land $41,100 Building $63,930

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

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

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.

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 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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