9725 E 1600th Ave, Effingham, IL 62401 Property Records

Effingham County property record for 9725 E 1600th Ave, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,752 sqft · built 1975
Lot Size	1.52 acres (66,211 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,694 (2024)
Deeds & Mortgages	May 2026 Line of Credit Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-015-090`

Property Details

APN / Parcel Number

Primary APN	`11-07-015-090`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,752 sqft Base Area
1st Floor Area	1,752 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	66,211 sqft (1.52 acres)
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	9725 E 1600TH AVE
City	EFFINGHAM
State	IL
Zip	62401-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 NW NE LYING N OF & ADJ TO LOT 2 SAUERS SUBD 1084/97 679/80 625/352 494/163
Legal Subdivision	SAUERS SUBDIVISION
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	SUMMIT
Census Block Group	4
Census Block	4009
Census Tract	950200

Owner

Source: Effingham County records, as of June 2, 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	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Affidavit, Transfer · Line of Credit MUTUAL/OMAHA MORTGAGE LLC
Dec 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 14, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 18, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 13, 2022
Transfer Doc	0000000472
Record Updated	Sep 20, 2026

May 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	EFFINGHAM IL
Recording Date	May 20, 2026
Property Address	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351
Document Number	0000001830
Instrument Date	May 19, 2026
Instrument	20261830
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351

Mortgage

Document Number	0000001831,
Date	May 20, 2026
Instrument	20261831

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	857 Months
Due	Oct 15, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003831/93
Date	Dec 20, 2022
Book Page	3831/93
Instrument	202222005088

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003776/189
Date	Apr 14, 2022
Book Page	3776/189
Instrument	202222001582

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate	3.99%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	9725 E 1600TH AVE, EFFINGHAM, IL 62401-5351
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3668/226
Date	Mar 18, 2021
Book Page	3668/226
Instrument	202121001342

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$3,694.00 (-4.4%)	$115,020 (+19.34%) Land $13,230 Building $101,790	$345,060 (+19.34%) Land $39,690 Building $305,370
2022	$3,864.00 Homeowner's exemption Senior Citizen's exemption	$96,380 Land $11,080 Building $85,300	$289,140 Land $33,240 Building $255,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 14 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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