817 N 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 817 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	4,928 sqft · built 2017
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2021)
Tax Bill	$8,419 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-021-039`

Property Details

APN / Parcel Number

Primary APN	`03-11-021-039`

Interior

Building Area	4,928 sqft Base Area
1st Floor Area	4,928 sqft
Basement Area	4,928 sqft
Unfinished Basement	4,928 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	817 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BHR SUB 3676/221 3676/219 3267/98 3225/189 1907/183 1230/343 561/259
Legal Subdivision	BHR SUB
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1066
Census Tract	950600

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	800 WOODEN SHOE RD, TEUTOPOLIS, IL 62467-1282
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK
Apr 14, 2021	Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2021 · Amount on Record
Deed Sale	Apr 14, 2021 · Amount on Record
Prior Sale	Dec 27, 2016 · Amount on Record
Deed Document Number	202121001810
Deed Book / Page	3676 / 221
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	817 N 3RD ST, EFFINGHAM, IL 62401-3137
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3379/031
Date	Apr 26, 2018
Book Page	3379/031
Instrument	201801801507

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 14, 2021
Property Address	817 N 3RD ST, EFFINGHAM, IL 62401-3137
Document Number	3676/221
Book / Page	3676 / 221
Instrument Date	Apr 7, 2021
Instrument	202121001810
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 KOLLMEYER LN, 1307, EFFINGHAM, IL 62401-5234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	800 WOODEN SHOE RD, TEUTOPOLIS, IL 62467-1282

Mortgage

Document Number	202121001811
Date	Apr 14, 2021
Instrument	202121001811

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 8, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

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	$8,419.00 (+23.45%)	$149,230 (+46.45%) Land $28,220 Building $121,010	$447,690 (+46.45%) Land $84,660 Building $363,030
2022	$6,820.00	$101,900 Land $21,390 Building $80,510	$305,700 Land $64,170 Building $241,530

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 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 169 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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