910 Shenandoah Ave, Effingham, IL 62401 Property Records

Effingham County property record for 910 Shenandoah Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,392 sqft · built 1988
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2018)
Tax Bill	$3,828 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-172-050`

Property Details

APN / Parcel Number

Primary APN	`03-11-172-050`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Base Area
1st Floor Area	1,392 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	910 SHENANDOAH AVE
City	EFFINGHAM
State	IL
Zip	62401-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK 4 SHENANDOAH SUB ADD E 3013/313 1998/303 1944/342 1531/342 919/257
Legal Subdivision	SHENANDOAH SUBDIVISION
Legal Block	4
Legal Lot Number	18
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1022
Census Tract	950700

Owner

910 Shenandoah Ave is owned and occupied by two individuals who bought it in September 2018.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	910 SHENANDOAH AVE, EFFINGHAM, IL 62401-4545
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2018 · Amount on File
Deed Sale	Sep 17, 2018 · Amount on File
Prior Sale	Feb 11, 2014 · Amount on File
Deed Document Number	20181803861
Deed Book / Page	3414 / 311
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 17, 2018
Property Address	910 SHENANDOAH AVE, EFFINGHAM, IL 62401-4545
Document Number	3414/311
Book / Page	3414 / 311
Map Reference	MB 781 PG 267
Instrument Date	Sep 14, 2018
Instrument	201801803861
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	910 SHENANDOAH AVE, EFFINGHAM, IL 62401-4545

Mortgage

Document Number	201801803862
Date	Sep 17, 2018
Instrument	201801803862

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 910 Shenandoah Ave was $3,828 with a homeowner's exemption.

Source: Effingham County assessment roll, as of October 5, 2026

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
2025	$3,828.00	$73,960 Land $12,450 Building $61,510	$221,880 Land $37,350 Building $184,530
2022	$3,311.00 Homeowner's exemption	$56,080 Land $9,440 Building $46,640	$168,240 Land $28,320 Building $139,920

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

FEMA maps place 910 Shenandoah Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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 Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2000 · 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

Wildfire risk around 910 Shenandoah Ave is low, with less than a 0.01% annual chance of 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 197 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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