Effingham, IL Homes for Sale under $100,000

Nice flat lot in an established subdivision, great continuity of homes, easy access to interstate and shopping on North side of town.

Jeff Speer RE/MAX Key Advantage

.52 (+/-) Acre lake lot - touches the water and has add'l ground on other bank. Perfect for the kids for play area or picnic spot; Great lot for walkout basement

Jeff Speer RE/MAX Key Advantage

Prairie Ace Estates Subdivision - Now in the Enterprise Zone with Building Incentives available! This subdivision is located adjacent to the Effingham Country Club. Ameren-Gas, Norris-Electric, Wabash-Fiber Internet, EJ-Water and Sewer. These smaller lots do not have minimum square footage requirements but must have at least a 2 car attached Garage and 1/3 of front needs to be brick, stone, or

Keith Hartman RE/MAX Key Advantage

Welcome to 510 W. Indiana Avenue! This residential lot is a great slate to build your dream home! SOLD AS-IS. This property is eligible under the Freddie Mac First Look Initiative though 6/3/2026. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition Taxes prorated at 100 precent. EM MUST BE CERTIFIED FUNDS. Info

Frank Rusin Four Seasons Realty, Inc.

Great buildable lot located on Cumberland court!

Alex Steppe RE/MAX Key Advantage

Build your dream home in Stoneridge Subdivision! .77 acre lot! This buildable residential lot offers a private setting toward the back of this highly sought-after Effingham neighborhood. Enjoy a peaceful location with a great community atmosphere, a nearby local park, and a subdivision that’s perfect for walking and enjoying the outdoors.The entire area is in an enterprise zone. You would fill

Alex Steppe RE/MAX Key Advantage

Build your dream home on this exceptional 0.79-acre residential lot located in one of Effingham's most sought-after subdivisions. Offering the perfect balance of privacy and convenience, this spacious lot provides an ideal setting for your custom home. Enjoy a prime location just minutes from downtown Effingham, beautiful Lake Sara, shopping, dining, schools, and other local amenities. Whether

Alex Steppe RE/MAX Key Advantage

This is the last interior lot available in Prairie Ace Estates Subdivision. This lot is 69.53' wide at road, but widens to 152.36' wide in the back. The south lot line is 270.18' deep, and the north lot line is 202.62' deep. It is a total of 0.55 acres.

Keith Hartman RE/MAX Key Advantage

Beautiful building lot located minutes from Effingham, IL!

Alex Steppe RE/MAX Key Advantage

All utilities are available (City water and sewer, Ameren (Gas) and Norris (Electric)

Jeff Speer RE/MAX Key Advantage

Patio home or duplex allowed on this lot. No square footage requirements. Home must have 1/3 brick, stone, or stucco on the front elevation, along with a minimum 2 car garage per unit.This lot is part of the Effingham Enterprise Zone for tax incentives. The subdivision is almost sold out!

Keith Hartman RE/MAX Key Advantage

Lake Lot .6 acres (+/-); waterfront and perfect for a walkout basement

Jeff Speer RE/MAX Key Advantage

Very nice large flat lot with plenty of room to build, mobile home, modular home at the edge of Heartville. Lot size is 130.56 x 201.98 / 0.61 acre. Electric, Water and Septic are all in place. Contact Melodie for questions.

Melodie Cornwell Auction/Realty by Schackmann, Inc.

Build your dream home on this spacious .62-acre residential lot located in the sought-after Stoneridge Subdivision in Effingham, IL. Enjoy a great neighborhood setting with plenty of room for your home, yard, and outdoor living. A fantastic opportunity to create your ideal home in a desirable Effingham location!The entire area is in an enterprise zone. You would fill out paperwork at City hall

Alex Steppe RE/MAX Key Advantage