9200 E Topaz St, Effingham, IL 62401 Property Records

Effingham County property record for 9200 E Topaz St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,515 sqft · built 2010
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,500 (Jul 2020)
Tax Bill	$3,958 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-231-010`

Property Details

APN / Parcel Number

Primary APN	`11-26-231-010`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,515 sqft Base Area
1st Floor Area	1,515 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	16,988 sqft (0.39 acres)
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9200 E TOPAZ ST
City	EFFINGHAM
State	IL
Zip	62401-8201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 GEMSTONE SUB ADD 1 3586/231 3530/249 2611/243 1989/116 1263/159
Legal Subdivision	GEMSTONE SUBDIVISION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1098
Census Tract	950200

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	2 Individual Names on Record
Mailing Address	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jul 7, 2020	Warranty Deed, Transfer · Commercial Mortgage DIETERICH BANK NA
Jan 27, 2020	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Apr 7, 2010
Deed Document Number	202020003642
Deed Book / Page	3586 / 231
Prior Transfer Date	Jan 24, 2020
Prior Transfer Doc	3530/249
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	NOT AVAILABLE, ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3670/231
Date	Mar 25, 2021
Book Page	3670/231
Instrument	202121001461

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 7, 2020
Property Address	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Document Number	3586/231
Book / Page	3586 / 231
Map Reference	MB 1263 PG 159
Instrument Date	Jul 1, 2020
Instrument	202020003642
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.25
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	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Mortgage

Document Number	202020003643
Date	Jul 7, 2020
Instrument	202020003643

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 26, 2021

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 27, 2020
Property Address	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Document Number	3530/249
Book / Page	3530 / 249
Instrument Date	Jan 24, 2020
Instrument	202020000430
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 W EVERGREEN AVE, 903, EFFINGHAM, IL 62401-1778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9200 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Summit Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,958.00 (+9.19%) Homeowner's exemption	$81,080 (+1%) Land $4,980 Building $76,100	$243,240 (+1%) Land $14,940 Building $228,300
2024	$3,625.00 (+39.8%)	$73,710 (+19.33%) Land $4,530 Building $69,180	$221,130 (+19.33%) Land $13,590 Building $207,540
2022	$2,593.00 Homeowner's exemption	$61,770 Land $3,800 Building $57,970	$185,310 Land $11,400 Building $173,910

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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 128 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
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon, Wisper ISP.

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