912 Lynn Dr, Effingham, IL 62401 Property Records

Effingham County property record for 912 Lynn Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,256 sqft · built 1959
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Jul 2022)
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-054-013`

Property Details

APN / Parcel Number

Primary APN	`03-16-054-013`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,256 sqft Base Area
1st Floor Area	1,256 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	912 LYNN DR
City	EFFINGHAM
State	IL
Zip	62401-3901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 GHARST SUB 3797/33 3132/133 2575/181 2138/63 2112/178 2051/60 1691/203 909/318 644/347
Legal Subdivision	GHARST SUBDIVISION
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2020
Census Tract	950600

Owner

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	912 LYNN DR, EFFINGHAM, IL 62401-3901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 11, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	20222857
Deed Book / Page	3797 / 33
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	912 LYNN DR, EFFINGHAM, IL 62401-3901
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003848/132
Date	Apr 5, 2023
Book Page	3848/132
Instrument	202323001053

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.75%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 11, 2022
Property Address	912 LYNN DR, EFFINGHAM, IL 62401-3901
Document Number	0003797/33
Book / Page	3797 / 33
Map Reference	MB 3 PG 155
Instrument Date	Jun 30, 2022
Instrument	202222002857
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 LYNN DR, EFFINGHAM, IL 62401-3901

Mortgage

Document Number	202222002858
Date	Jul 11, 2022
Instrument	202222002858

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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	$2,056.00 (-18.35%)	$42,450 (+31.91%) Land $10,240 Building $32,210	$127,350 (+31.91%) Land $30,720 Building $96,630
2022	$2,518.00 Homeowner's exemption Disabled Person's exemption	$32,180 Land $7,760 Building $24,420	$96,540 Land $23,280 Building $73,260

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

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.

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	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 157 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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