928 Penguin St, Effingham, IL 62401 Property Records

Effingham County property record for 928 Penguin St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,181 sqft · built 1992
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Mar 2020)
Tax Bill	$4,804 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-020-037`

Property Details

APN / Parcel Number

Primary APN	`03-11-020-037`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Building Area	2,181 sqft Base Area
1st Floor Area	2,181 sqft
Basement Area	2,181 sqft
Unfinished Basement	2,181 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	928 PENGUIN ST
City	EFFINGHAM
State	IL
Zip	62401-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 GOECKNER'S SUB ADD B 3545/211 985/17
Legal Subdivision	GOECKNER'S SUBDIVISION
Legal Lot Number	30
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2001
Census Tract	950700

Owner

928 Penguin St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	928 PENGUIN ST, EFFINGHAM, IL 62401-2134
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

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 31, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2020 · Amount on File
Deed Sale	Mar 31, 2020 · Amount on File
Deed Document Number	202020001349
Deed Book / Page	3545 / 211
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	928 PENGUIN ST, EFFINGHAM, IL 62401-2134
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 PENGUIN ST, EFFINGHAM, IL 62401-2134

Mortgage

Document Number	003740/291
Date	Nov 19, 2021
Book Page	3740/291
Instrument	202121005710

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Aug 25, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 31, 2020
Property Address	928 PENGUIN ST, EFFINGHAM, IL 62401-2134
Document Number	3545/211
Book / Page	3545 / 211
Instrument Date	Mar 30, 2020
Instrument	202020001349
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$384.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003545/213
Date	Mar 31, 2020
Book Page	3545/213
Instrument	202020001350

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 928 Penguin St was $4,804 with exemptions applied.

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	$4,804.00	$96,160 Land $16,960 Building $79,200	$288,480 Land $50,880 Building $237,600
2022	$5,645.00 Homeowner's exemption Senior Citizen's exemption	$90,880 Land $12,860 Building $78,020	$272,640 Land $38,580 Building $234,060

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 928 Penguin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 928 Penguin St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 278 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
GigFire Fixed Wireless	150 / 130

May also be available: Wisper ISP.

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