1007 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1007 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 4 ba · 2,529 sqft · built 1900
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Mar 2021)
Tax Bill	$9,555 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-049-064`

Property Details

APN / Parcel Number

Primary APN	`03-16-049-064`

Interior

Bedrooms	1 Bed
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,529 sqft Base Area
1st Floor Area	2,529 sqft
Basement Area	2,529 sqft
Unfinished Basement	2,529 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1007 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 THRU 11 BLK 7 BLISS PARK ADD EXCEPT ROW 3669/135 3004/166 2166/138 1778/216 1244/118 1039/28 772/285
Legal Subdivision	BLISS PARK ADDITION
Legal Block	7
Legal Lot Number	3-11
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2045
Census Tract	950800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1007 S 4TH ST, EFFINGHAM, IL 62401-3812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2017	Deed of Trust, Mortgage · Line of Credit SIGEL COMMUNITY BANK
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU
Mar 22, 2021	Special Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Dec 19, 2013 · Amount on Record
Deed Document Number	202121001387
Deed Book / Page	3669 / 135
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 4TH ST, EFFINGHAM, IL 62401-3812
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003354/172
Date	Dec 14, 2017
Book Page	3354/172
Instrument	201700005744

Lender

Name	SIGEL COMMUNITY BANK
Type	Non-Lending Institution
Address	SIGEL, IL 62462

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 15, 2022

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1007 S 4TH ST, EFFINGHAM, IL 62401-3812
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003742/176
Date	Nov 29, 2021
Book Page	3742/176
Instrument	202121005811

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Nov 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 22, 2021
Property Address	1007 S 4TH ST, EFFINGHAM, IL 62401-3812
Document Number	003669/135
Book / Page	3669 / 135
Map Reference	MB 3 PG 7
Instrument Date	Mar 19, 2021
Instrument	202121001387
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1007 S 4TH ST, EFFINGHAM, IL 62401-3812

Mortgage

Document Number	202121001389
Date	Mar 22, 2021
Instrument	202121001389

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

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	$9,555.00 (-4.93%)	$175,360 (+31.89%) Land $73,710 Building $101,650	$526,080 (+31.89%) Land $221,130 Building $304,950
2022	$10,050.00 Homeowner's exemption	$132,960 Land $55,890 Building $77,070	$398,880 Land $167,670 Building $231,210

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	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 444 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
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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