9720 E 1025th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 9720 E 1025th Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,719 sqft · built 1973
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,577 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-06-010-035`

Property Details

APN / Parcel Number

Primary APN	`04-06-010-035`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,719 sqft Base Area
1st Floor Area	1,719 sqft
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Masonry / Concrete Block
Lot Area	57,499 sqft (1.32 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9720 E 1025TH AVE
City	EFFINGHAM
State	IL
Zip	62401-6530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	240FT SQ SE CORNER N 1/2 NW SE 3764/184 1497/90 706/299
Jurisdiction	EFFINGHAM IL
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1007
Census Tract	950400

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	9720 E 1025TH AVE, EFFINGHAM, IL 62401-6530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Feb 24, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 1, 2022
Transfer Doc	003764/184
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9720 E 1025TH AVE, EFFINGHAM, IL 62401-6530
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202525004025
Date	Nov 7, 2025
Instrument	202525004025

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 17, 2040

Interest

Rate Type	Adjustable Rate
Rate	6.71%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 17, 2025
Change Frequency	6 Months
Min Rate At Change	4.71%
Max Rate At Change	8.71%
Index	1-Year CMT
Max Rate	11.7%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 24, 2022
Property Address	9720 E 1025TH AVE, EFFINGHAM, IL 62401-6530
Document Number	003764/184
Book / Page	3764 / 184
Instrument Date	Feb 1, 2022
Instrument	202222000825
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9720 E 1025TH AVE, EFFINGHAM, IL 62401-6530

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Jackson 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	$2,577.00 (-2.02%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$90,040 (+10.01%) Land $3,500 Building $86,540	$270,120 (+10.01%) Land $10,500 Building $259,620
2024	$2,630.00 (-3.73%)	$81,850 (+20.99%) Land $3,180 Building $78,670	$245,550 (+20.99%) Land $9,540 Building $236,010
2022	$2,732.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$67,650 Land $2,630 Building $65,020	$202,950 Land $7,890 Building $195,060

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
KNR Wireless Fixed Wireless	100 / 10
Frontier DSL	90 / 5

May also be available: AT&T, T-Mobile.

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