8847 N 1565th St, Effingham, IL 62401 Property Records

Effingham County property record for 8847 N 1565th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,837 sqft · built 1979
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,959 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-10-022-016`

Property Details

APN / Parcel Number

Primary APN	`14-10-022-016`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,837 sqft Base Area
1st Floor Area	1,837 sqft
Basement Area	1,837 sqft
Unfinished Basement	1,837 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Masonry / Concrete Block
Lot Area	46,174 sqft (1.06 acres)
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	8847 N 1565TH ST
City	EFFINGHAM
State	IL
Zip	62401-4894
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SOUTH ESTATES SUB 809/115
Legal Subdivision	SOUTH ESTATES SUB
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2034
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	8847 N 1565TH ST, EFFINGHAM, IL 62401-4894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK
Feb 2, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8847 N 1565TH ST, EFFINGHAM, IL 62401-4894
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3516/279
Date	Dec 3, 2019
Book Page	3516/279
Instrument	201901904943

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8847 N 1565TH ST, EFFINGHAM, IL 62401-4894
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201701700499
Date	Feb 2, 2017
Book Page	3276/058
Instrument	201701700499

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2047

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	$2,959.00 (-15.41%)	$97,990 (+33.7%) Land $9,770 Building $88,220	$293,970 (+33.7%) Land $29,310 Building $264,660
2022	$3,498.00 Homeowner's exemption Senior Citizen's exemption	$73,290 Land $7,310 Building $65,980	$219,870 Land $21,930 Building $197,940

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 21 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: Wisper ISP.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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