1208 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1208 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,040 sqft · built 1930
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-058-010`

Property Details

APN / Parcel Number

Primary APN	`03-16-058-010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Base Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1208 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BLK 1 VILLAGE OF PARKS GLENN 24000251 3855/21 2997/170 1737/338 1222/75
Legal Subdivision	VILLAGE OF PARKS GLENN
Legal Block	1
Legal Lot Number	19
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3008
Census Tract	950600

Owner

1208 S 4th St is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1208 S 4TH ST, EFFINGHAM, IL 62401-4003
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
Jan 24, 2024	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
May 3, 2023	Deed, Transfer · Commercial Mortgage CROSSROADS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2024
Deed Sale	Jan 24, 2024
Prior Sale	May 3, 2023 · Amount on File
Deed Document Number	2024251
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 24, 2024
Property Address	1208 S 4TH ST, EFFINGHAM, IL 62401-4003
Document Number	202424000251
Map Reference	PL 29 PG 172
Instrument Date	Jan 22, 2024
Instrument	202424000251
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1208 S 4TH ST, EFFINGHAM, IL 62401-4003

Mortgage

Document Number	202422000252
Date	Jan 24, 2024
Instrument	202422000252

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

Interest

Rate Type	Fixed Rate
Rate	5.75%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 3, 2023
Property Address	1208 S 4TH ST, EFFINGHAM, IL 62401-4003
Document Number	0003855/21
Book / Page	3855 / 21
Map Reference	PL 29 PG 172
Instrument Date	May 2, 2023
Instrument	202323001436
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15752 N BLUEBIRD DR, EFFINGHAM, IL 62401-6253

Mortgage

Document Number	202322001437
Date	May 3, 2023
Instrument	202322001437

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1208 S 4th St was $2,120 with a homeowner's exemption, down 20.8% from the year before.

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	$2,120.00 (-20.78%)	$43,590 (+10.02%) Land $10,510 Building $33,080	$130,770 (+10.02%) Land $31,530 Building $99,240
2024	$2,676.00	$39,620 Land $9,550 Building $30,070	$118,860 Land $28,650 Building $90,210
2022	$2,211.00	$33,040 (+1.01%) Land $7,960 Building $25,080	$99,120 (+1.01%) Land $23,880 Building $75,240
2021		$32,710 Land $7,880 Building $24,830	$98,130 Land $23,640 Building $74,490
2018	$2,211.00

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 1208 S 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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

Wildfire risk around 1208 S 4th St is low, with a 0.01% annual chance of 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.

Nearby Properties on S 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures