8537 N 1425th St, Effingham, IL 62401 Property Records

Effingham County property record for 8537 N 1425th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,768 sqft · built 1990
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (May 2009)
Tax Bill	$4,940 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-021-073`

Property Details

APN / Parcel Number

Primary APN	`14-10-021-073`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Base Area
1st Floor Area	1,768 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Lot Area	48,787 sqft (1.12 acres)
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces
Pole Barn	1,725 sqft

Location & Zoning

Street Address	8537 N 1425TH ST
City	EFFINGHAM
State	IL
Zip	62401-7118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 REPLAT HELEN SMITH SUB 2524/275 1411/320
Legal Subdivision	HELEN SMITH SUBDIVISION
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2028
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	8537 N 1425TH ST, EFFINGHAM, IL 62401-7118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK NA
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2009 · Amount on Record
Deed Sale	May 19, 2009 · Amount on Record
Deed Document Number	2009903653
Deed Book / Page	2524 / 275
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8537 N 1425TH ST, EFFINGHAM, IL 62401-7118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3553/163
Date	Jun 22, 2020
Book Page	3553/163
Instrument	202020001769

Lender

Name	FIDELITY BANK NA
Type	Bank
Address	WICHITA, KS 67202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	May 1, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8537 N 1425TH ST, EFFINGHAM, IL 62401-7118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3553/163
Date	Apr 22, 2020
Book Page	3553/163
Instrument	202020001769

Lender

Name	FIDELITY BANK NA
Type	Bank
Address	WICHITA, KS 67202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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	$4,940.00 (+61.33%)	$99,190 (+33.72%) Land $11,000 Building $88,190	$297,570 (+33.72%) Land $33,000 Building $264,570
2022	$3,062.00 Homeowner's exemption Additional exemption filed	$74,180 Land $8,230 Building $65,950	$222,540 Land $24,690 Building $197,850

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

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 69 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

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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