905 Flame Ave, Effingham, IL 62401 Property Records

Effingham County property record for 905 Flame Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,636 sqft · built 1976
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Nov 2017)
Tax Bill	$3,618 (2024)
Deeds & Mortgages	Jun 2023 Transfer Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-120-003`

Property Details

APN / Parcel Number

Primary APN	`03-16-120-003`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,636 sqft Base Area
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	905 FLAME AVE
City	EFFINGHAM
State	IL
Zip	62401-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 134 NORTHMORE HEIGHTS ADD D 3863/4 3345/118 2974/235 2350/123 2089/332 1214/168 816/17
Legal Subdivision	NORTHMORE HEIGHTS
Legal Lot Number	134
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2009
Census Tract	950700

Owner

Source: Effingham County records, as of September 9, 2025

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	N15551 WOODUCK DR, PARK FALLS, WI 54552-7450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 1, 2017	Warranty Deed, Transfer · Conventional Mortgage CEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Prior Sale	Aug 16, 2013 · Amount on Record
Deed Document Number	20171705130
Deed Book / Page	3345 / 118
Last Transfer Date	Jun 2, 2023
Transfer Doc	00003863/4
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 12, 2023
Property Address	905 FLAME AVE, EFFINGHAM, IL 62401-1776
Document Number	00003863/4
Book / Page	3863 / 4
Map Reference	MB 8 PG 43
Instrument Date	Jun 2, 2023
Instrument	202323001936
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	N15551 WOODUCK DR, PARK FALLS, WI 54552-7450

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 1, 2017
Property Address	905 FLAME AVE, EFFINGHAM, IL 62401-1776
Document Number	3345/118
Book / Page	3345 / 118
Map Reference	MB 8 PG 43
Instrument Date	Oct 30, 2017
Instrument	201701705130
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 FLAME AVE, EFFINGHAM, IL 62401-1776

Mortgage

Document Number	201701705131
Date	Nov 1, 2017
Instrument	201701705131

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,618.00 (+25.36%)	$59,560 (+19.91%) Land $9,340 Building $50,220	$178,680 (+19.91%) Land $28,020 Building $150,660
2022	$2,886.00 Homeowner's exemption	$49,670 Land $7,790 Building $41,880	$149,010 Land $23,370 Building $125,640

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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