1401 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1401 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1935
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,000 (Jul 2026)
Tax Bill	$1,343 (2025)
Deeds & Mortgages	Jul 2026 Sale & Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-044`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-044`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Base Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1401 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 39.48FT LOT 1 BLK 2 BURKE'S ADD 3543/266 2810/16 2740/153 2266/20 2266/4 2122/172 1688/232 934/285
Legal Subdivision	BURKE'S ADDITION
Legal Block	2
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2063
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	1401 S 4TH ST, EFFINGHAM, IL 62401-4008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Line of Credit TEUTOPOLIS STATE BANK
Mar 23, 2020	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Prior Sale	Mar 23, 2020 · Amount on Record
Deed Document Number	20262640
Prior Transfer Date	Jun 30, 2011
Prior Transfer Doc	2740/153
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 17, 2026
Property Address	1401 S 4TH ST, EFFINGHAM, IL 62401-4008
Document Number	0000002640
Instrument Date	Jul 17, 2026
Instrument	20262640
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,998.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1401 S 4TH ST, EFFINGHAM, IL 62401-4008
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002641,
Date	Jul 17, 2026
Instrument	20262641

Lender

Name	TEUTOPOLIS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 17, 2031

Interest

Rate	6.48%
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 23, 2020
Property Address	1401 S 4TH ST, EFFINGHAM, IL 62401-4008
Document Number	3543/266
Book / Page	3543 / 266
Instrument Date	Mar 21, 2020
Instrument	202020001238
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202020001239
Date	Mar 23, 2020
Instrument	202020001239

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	$1,343.00 (-5.75%) Homeowner's exemption	$29,810 (+1%) Land $9,570 Building $20,240	$89,430 (+1%) Land $28,710 Building $60,720
2024	$1,425.00 (-5.82%)	$27,100 (+19.86%) Land $8,700 Building $18,400	$81,300 (+19.86%) Land $26,100 Building $55,200
2022	$1,513.00 Homeowner's exemption	$22,610 Land $7,260 Building $15,350	$67,830 Land $21,780 Building $46,050

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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	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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