9241 E Topaz St, Effingham, IL 62401 Property Records

Effingham County property record for 9241 E Topaz St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1998
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (Jul 2016)
Tax Bill	$4,596 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-26-231-026`

Property Details

APN / Parcel Number

Primary APN	`11-26-231-026`

Interior

Bedrooms	1 Bed
Building Area	1,080 sqft Base Area
1st Floor Area	1,080 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Mixed
Garage Area	1,560 sqft
Parking Spaces	6 Parking Spaces

Location & Zoning

Street Address	9241 E TOPAZ ST
City	EFFINGHAM
State	IL
Zip	62401-7657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 GEMSTONE SUB ADD 1 3226/92 1370/176 1263/159
Legal Subdivision	GEMSTONE SUBDIVISION
Legal Lot Number	17
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	9241 E TOPAZ ST, EFFINGHAM, IL 62401-7657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2016 · Amount on Record
Deed Sale	Jul 26, 2016 · Amount on Record
Deed Document Number	20161603272
Deed Book / Page	3226 / 92
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9241 E TOPAZ ST, EFFINGHAM, IL 62401-7657
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9241 E TOPAZ ST, EFFINGHAM, IL 62401-7657

Mortgage

Document Number	3649/217
Date	Jan 15, 2021
Book Page	3649/217
Instrument	202121000229

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	ALTAMONT, IL 62411

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 6, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

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	$4,596.00 (+62.46%)	$93,190 (+39.59%) Land $4,650 Building $88,540	$279,570 (+39.59%) Land $13,950 Building $265,620
2022	$2,829.00 Homeowner's exemption	$66,760 Land $3,550 Building $63,210	$200,280 Land $10,650 Building $189,630

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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