Effingham County property record for 906 S 3rd St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 766 sqft · built 1947 |
| Lot Size | 0.84 acres (36,590 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,000 (Sep 2025) |
| Tax Bill | $2,098 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-050-003 |
| Primary APN | 03-16-050-003 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 766 sqft Base Area |
| 1st Floor Area | 766 sqft |
| Basement Area | 766 sqft |
| Unfinished Basement | 766 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 36,590 sqft (0.84 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 906 S 3RD ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT N 112FT OF S 472FT OF E 415.8FT OF W 814.8FT EXCEPT E 120FT OF W 519FT OF N 50FT OF S 410FT S 1/2 SW NW 25003410 912/118 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1015 LYNN DR, EFFINGHAM, IL 62401-3904 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on Record |
| Deed Sale | Sep 22, 2025 · Amount on Record |
| Deed Document Number | 20253410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 906 S 3RD ST, EFFINGHAM, IL 62401-3860 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202525003411 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 202525003411 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | 806 N KELLER DR, EFFINGHAM, IL 62401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Oct 19, 2030 |
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 | $2,098.00 (-8.14%) | $37,200 (+9.99%) Land $14,830 Building $22,370 | $111,600 (+9.99%) Land $44,490 Building $67,110 |
| 2024 | $2,284.00 (+20.97%) | $33,820 (+19.93%) Land $13,480 Building $20,340 | $101,460 (+19.93%) Land $40,440 Building $61,020 |
| 2022 | $1,888.00 | $28,200 Land $11,240 Building $16,960 | $84,600 Land $33,720 Building $50,880 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2019 · rainfall accumulation |
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.
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.
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 444 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 |
| Fidium Fiber DSL | 250 / 40 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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