9222 E Topaz St, Effingham, IL 62401 Property Records

Effingham County property record for 9222 E Topaz St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,456 sqft · built 1998
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$897,000 (Jan 2025)
Tax Bill	$3,886 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-231-013`

Property Details

APN / Parcel Number

Primary APN	`11-26-231-013`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,456 sqft Base Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	16,988 sqft (0.39 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9222 E TOPAZ ST
City	EFFINGHAM
State	IL
Zip	62401-8201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 GEMSTONE SUB ADD 1 25000125 3584/14 1551/268 1390/12 1263/159
Legal Subdivision	GEMSTONE SUBDIVISION
Legal Lot Number	4
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	151 N 1550 EAST RD, BEECHER CITY, IL 62414-1053
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · VA Mortgage NEW ERA LENDING LLC
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Jan 3, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2025 · Amount on Record
Deed Sale	Jan 14, 2025 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	2025125
Prior Transfer Date	Jun 30, 2000
Prior Transfer Doc	0002003738
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Mortgage

Document Number	202525003650
Date	Oct 9, 2025
Instrument	202525003650

Lender

Name	NEW ERA LENDING LLC
Type	Mortgage Company
Address	1500 S DAIRY ASHFORD RD STE 363, HOUSTON, TX 77077

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.62%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Mortgage

Document Number	0003865/97
Date	Jun 26, 2023
Book Page	3865/97
Instrument	202323002085

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 10, 2033

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 30, 2020
Property Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Document Number	3584/14
Book / Page	3584 / 14
Map Reference	MB 1263 PG 159
Instrument Date	Jun 25, 2020
Instrument	202020003480
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 HIGGINS RD, 408, WAXAHACHIE, TX 75167-8398

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Mortgage

Document Number	202000003481
Date	Jun 30, 2020
Instrument	202000003481

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9222 E TOPAZ ST, EFFINGHAM, IL 62401-8201

Mortgage

Document Number	3439/245
Date	Jan 3, 2019
Book Page	3439/245
Instrument	201901900010

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 8, 2033

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	$3,886.00 (+2.78%) Homeowner's exemption	$84,310 (+10.01%) Land $5,020 Building $79,290	$252,930 (+10.01%) Land $15,060 Building $237,870
2024	$3,781.00 (+39.57%)	$76,640 (+19.34%) Land $4,560 Building $72,080	$229,920 (+19.34%) Land $13,680 Building $216,240
2022	$2,709.00 Homeowner's exemption	$64,220 Land $3,820 Building $60,400	$192,660 Land $11,460 Building $181,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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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