908 S 3rd St, Effingham, IL 62401 Property Records

Effingham County property record for 908 S 3rd St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1935
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Tax Bill	$1,422 (2022)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-050-005`

Property Details

APN / Parcel Number

Primary APN	`03-16-050-005`

Interior

Stories	2 Stories
Building Area	1,008 sqft Base Area
Basement Area	1,008 sqft

Exterior

Year Built	Built 1935
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	908 S 3RD ST
City	EFFINGHAM
State	IL
Zip	62401-3860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 50FT OF W 120FT OF LOT 2 S 1/2 SW NW 1265/306 793/194
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3003
Census Tract	950600

Owner

Source: Effingham County assessment roll, as of January 1, 2022

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	908 S 3RD ST, EFFINGHAM, IL 62401-3860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Deed Document Number	0001265306
Record Updated	Jun 7, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	908 S 3RD ST, EFFINGHAM, IL 62401-3860
Transaction Type	Mortgage
Record Updated	Aug 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3483/150
Date	Jul 26, 2019
Book Page	3483/150
Instrument	201901902836

Lender

Name	LAND OF LINCOLN CU
Type	Funding / Finance Company
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,422.00 Homeowner's exemption	$34,620 Land $5,680 Building $28,940	$103,860 Land $17,040 Building $86,820

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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 at the parcel

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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Telephone Cooperative Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Consolidated Communications DSL	250 / 40
LTD Broadband Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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