1507 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1507 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 936 sqft · built 1960
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Feb 2021)
Tax Bill	$1,724 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-054`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-054`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Base Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1507 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 SPRING GARDEN SUB 3653/280 1287/8 1222/174 1116/305 1005/182
Legal Subdivision	SPRING GARDEN SUBDIVISION
Legal Lot Number	10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3014
Census Tract	950600

Owner

1507 S 4th St is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1507 S FOURH ST, EFFINGHAM, IL 62401
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
Feb 1, 2021	Executor's Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Deed Document Number	202121000497
Deed Book / Page	3653 / 280
Record Updated	Oct 29, 2026

February 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 1, 2021
Property Address	1507 S 4TH ST, EFFINGHAM, IL 62401-4040
Document Number	3653/280
Book / Page	3653 / 280
Map Reference	MB 2 PG 28
Instrument Date	Jan 29, 2021
Instrument	202121000497
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1507 S 4TH ST, EFFINGHAM, IL 62401-4040

Mortgage

Document Number	202121000498
Date	Feb 1, 2021
Instrument	202121000498

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	1507 S 4TH ST, EFFINGHAM, IL 62401-4040
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3519/352
Date	Dec 13, 2019
Book Page	3519/352
Instrument	201901905142

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1507 S 4th St was $1,724 with a homeowner's exemption.

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	$1,724.00	$36,560 Land $9,720 Building $26,840	$109,680 Land $29,160 Building $80,520
2022	$532.00 Homeowner's exemption	$27,730 Land $7,380 Building $20,350	$83,190 Land $22,140 Building $61,050

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 1507 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 1507 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.

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