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

Effingham County property record for 824 N 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,500 sqft · built 1950
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Dec 2012)
Tax Bill	$1,802 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-060-007`

Property Details

APN / Parcel Number

Primary APN	`03-16-060-007`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,500 sqft Base Area
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Street Address	824 N 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 11 & 14 HIGHWAY MANOR SUB EXCEPT ROW 3271/34 2907/125 1188/49
Legal Subdivision	HIGHWAY MANOR SUBDIVISION
Legal Lot Number	11-14
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1083
Census Tract	950600

Owner

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	Individual Name on Record
Mailing Address	602 N 3RD ST, EFFINGHAM, IL 62401-3330
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Jan 11, 2017	Intrafamily Transfer, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2012 · Amount on Record
Deed Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	20121207241
Deed Book / Page	2907 / 125
Last Transfer Date	Jan 6, 2017
Transfer Doc	3271/034
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	824 N 3RD ST, EFFINGHAM, IL 62401-3130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3366/336
Date	Feb 21, 2018
Book Page	3366/336
Instrument	201801800614

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 11, 2017
Property Address	824 N 3RD ST, EFFINGHAM, IL 62401-3130
Document Number	3271/034
Book / Page	3271 / 034
Map Reference	MB 1 PG 34
Instrument Date	Jan 6, 2017
Instrument	201701700155
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 61, WATSON, IL 62473-0061

Mortgage

Document Number	201701700156
Date	Jan 11, 2017
Instrument	201701700156

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 10, 2037

Interest

Rate Type	Adjustable Rate
Rate	2.1%

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	$1,802.00 (-8.11%)	$31,940 (+10.02%) Land $13,620 Building $18,320	$95,820 (+10.02%) Land $40,860 Building $54,960
2024	$1,961.00 (+21.05%)	$29,030 (+19.91%) Land $12,380 Building $16,650	$87,090 (+19.91%) Land $37,140 Building $49,950
2022	$1,620.00	$24,210 Land $10,320 Building $13,890	$72,630 Land $30,960 Building $41,670

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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