8954 E South Circle Dr, Effingham, IL 62401 Property Records

Effingham County property record for 8954 E South Circle Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,148 sqft · built 1990
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Apr 2018)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-213-003`

Property Details

APN / Parcel Number

Primary APN	`11-07-213-003`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,148 sqft Base Area
1st Floor Area	1,148 sqft
Basement Area	486 sqft
Unfinished Basement	486 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	8954 E SOUTH CIRCLE DR
City	EFFINGHAM
State	IL
Zip	62401-5049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WHISPERING PINES SUB 3749/142 3377/96 3258/67 2418/321 1957/338 1611/106 1336/157 1043/310 872/266
Legal Subdivision	WHISPERING PINES SUBDIVISION
Legal Lot Number	3
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 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	921 COUNTY ROAD 900 E, CHAMPAIGN, IL 61822-9641
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Commercial Mortgage IROQUOIS FSLA
Dec 21, 2021	Warranty Deed, Transfer
Jun 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Apr 18, 2018	Warranty Deed, Transfer · Line of Credit TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2018 · Amount on Record
Deed Sale	Apr 18, 2018 · Amount on Record
Prior Sale	Nov 18, 2016 · Amount on Record
Deed Document Number	20181801364
Deed Book / Page	3377 / 96
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8954 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5049
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202525003629
Date	Oct 7, 2025
Instrument	202525003629

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	2411 VILLAGE GREEN PL, CHAMPAIGN, IL 61822

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 12, 2055

Interest

Rate Type	Adjustable Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 21, 2021
Property Address	8954 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5049
Document Number	003749/142
Book / Page	3749 / 142
Instrument Date	Dec 20, 2021
Instrument	202121006221
Transaction Type	Transfer
Record Updated	Jan 24, 2022

Transaction

Amount	Amount Recorded
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19920 N 1500TH ST, 19920, EFFINGHAM, IL 62401-6907

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	921 COUNTY ROAD 900 E, CHAMPAIGN, IL 61822-9641

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	8954 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5049
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3304/181
Date	Jun 2, 2017
Book Page	3304/181
Instrument	201701702401

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 25, 2022

Interest

Rate Type	Fixed Rate
Rate	4.08%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 18, 2018
Property Address	8954 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5049
Document Number	3377/096
Book / Page	3377 / 096
Map Reference	PL 27-C MB 11 PG 144
Instrument Date	Apr 13, 2018
Instrument	201801801364
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	$205.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8954 E SOUTH CIRCLE DR, EFFINGHAM, IL 62401-5049

Mortgage

Document Number	201801801365
Date	Apr 18, 2018
Instrument	201801801365

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Apr 15, 2025

Interest

Rate	4.75%

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	$3,840.00 (+56.61%)	$74,510 (+31.3%) Land $6,250 Building $68,260	$223,530 (+31.3%) Land $18,750 Building $204,780
2022	$2,452.00	$56,750 Land $4,760 Building $51,990	$170,250 Land $14,280 Building $155,970

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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