8840 E South Circle Dr, Effingham, IL 62401 Property Records

Effingham County property record for 8840 E South Circle Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,008 sqft · built 1992
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Dec 2019)
Tax Bill	$3,298 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-213-002`

Property Details

APN / Parcel Number

Primary APN	`11-07-213-002`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,008 sqft Base Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	20,473 sqft (0.47 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	8840 E SOUTH CIRCLE DR
City	EFFINGHAM
State	IL
Zip	62401-5047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 WHISPERING PINES SUB 3037/157 2039/242 1881/216 1036/281 870/315
Legal Subdivision	WHISPERING PINES SUBDIVISION
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	3
Census Block	3073
Census Tract	950200

Owner

Source: Effingham County records, as of October 12, 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	8840 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Dec 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Sep 30, 2019	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF CAMPBELL HILL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2019 · Amount on Record
Deed Sale	Dec 3, 2019 · Amount on Record
Prior Sale	May 27, 2014 · Amount on Record
Deed Document Number	20191904950
Deed Book / Page	3516 / 340
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 23, 2026
Property Address	8840 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5047
Document Number	0000002252
Instrument Date	Jun 11, 2026
Instrument	20262252
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002252,
Date	Jun 23, 2026
Instrument	20262252

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 3, 2019
Property Address	8840 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5047
Document Number	3516/340
Book / Page	3516 / 340
Map Reference	MB 11 PG 144
Instrument Date	Nov 27, 2019
Instrument	201901904950
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8840 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5047

Mortgage

Document Number	201901904951
Date	Dec 3, 2019
Instrument	201901904951

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

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

Interest

Rate	3.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8840 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5047
Transaction Type	Mortgage
Record Updated	Oct 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3500/106
Date	Sep 30, 2019
Book Page	3500/106
Instrument	201901903896

Lender

Name	FIRST STATE BANK OF CAMPBELL HILL
Type	Bank
Address	CAMPBELL HILL, IL 62916

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 24, 2020

Interest

Rate	5%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Beecher City Community Unit School District 20 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,298.00 (+4.67%) Homeowner's exemption	$69,990 (+10.01%) Land $6,110 Building $63,880	$209,970 (+10.01%) Land $18,330 Building $191,640
2024	$3,151.00 (+31.51%)	$63,620 (+19.34%) Land $5,550 Building $58,070	$190,860 (+19.34%) Land $16,650 Building $174,210
2022	$2,396.00 Homeowner's exemption	$53,310 Land $4,650 Building $48,660	$159,930 Land $13,950 Building $145,980

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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