Effingham County property record for 902 S Willow St, Effingham, IL 62401
| Property Type | Commercial |
|---|---|
| Details | 5,346 sqft · built 1973 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,449 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-052-075 |
| Primary APN | 03-16-052-075 |
|---|
| Building Area | 5,346 sqft Base Area |
|---|---|
| 1st Floor Area | 5,346 sqft |
| Basement Area | 5,346 sqft |
| Unfinished Basement | 5,346 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Street Address | 902 S WILLOW ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3871 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 2 BUTLER SUPPLY SUB 3544/65 2112/124 908/140 822/59 |
| Legal Subdivision | BUTLER SUPPLY SUB |
| Legal Lot Number | 2 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 950600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2603 COOPER AVE, SPRINGFIELD, IL 62704-1104 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 902 S WILLOW ST, EFFINGHAM, IL 62401-3871 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003544/76 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 3544/76 |
| Instrument | 202020001266 |
| Name | TOWN AND COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Jun 23, 2025 |
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Douglas Township |
| Municipality | Effingham City |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,449.00 | $43,420 (+31.9%) Land $2,370 Building $41,050 | $130,260 (+31.9%) Land $7,110 Building $123,150 |
| 2022 | $32,920 Land $1,790 Building $31,130 | $98,760 Land $5,370 Building $93,390 |
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.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EFFINGHAM serves 12,252 people · EPA ID IL0490250 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Fidium Fiber DSL | 500 / 75 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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