8853 N 1550th Rd, Effingham, IL 62401 Property Records

Effingham County property record for 8853 N 1550th Rd, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,248 sqft · built 1973
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,000 (Mar 2023)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-022-045`

Property Details

APN / Parcel Number

Primary APN	`14-10-022-045`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,248 sqft Base Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	8853 N 1550TH RD
City	EFFINGHAM
State	IL
Zip	62401-4885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 200FT OF N 600FT OF E 436FT E1/2 NW 3844/315 2196/73
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	2
Census Block	2021
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	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 14, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 28, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Jan 13, 2006 · Amount on Record
Deed Document Number	2023811
Deed Book / Page	3844 / 315
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885

Mortgage

Document Number	202626000406
Date	Feb 2, 2026
Instrument	202626000406

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	4425 PONCE DE LEON BLVD, CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 14, 2023
Property Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885
Document Number	003844/315
Book / Page	3844 / 315
Instrument Date	Mar 8, 2023
Instrument	202323000811
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$161.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885

Mortgage

Document Number	202323000812
Date	Mar 14, 2023
Instrument	202323000812

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8853 N 1550TH RD, EFFINGHAM, IL 62401-4885

Mortgage

Document Number	3680/151
Date	Apr 28, 2021
Book Page	3680/151
Instrument	202121002048

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2051

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	$2,212.00 (+9.18%) Homeowner's exemption	$47,740 (+1%) Land $4,600 Building $43,140	$143,220 (+1%) Land $13,800 Building $129,420
2024	$2,026.00 (+318.6%)	$43,400 (+21.57%) Land $4,180 Building $39,220	$130,200 (+21.57%) Land $12,540 Building $117,660
2022	$484.00 Homeowner's exemption Senior Citizen's exemption	$35,700 Land $3,440 Building $32,260	$107,100 Land $10,320 Building $96,780

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 24 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

Cell Coverage

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

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