1601 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1601 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,204 sqft · built 1960
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (May 2026)
Tax Bill	$1,478 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-16-057-055`

Property Details

APN / Parcel Number

Primary APN	`03-16-057-055`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,204 sqft Base Area
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1601 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A MAYHOODS SUB OF LOTS 48 & 49 SPRING GARDEN SUB 3297/117 3270/221 2085/57 2045/348 1180/309
Legal Subdivision	MAYHOODS SUBDIVISION
Legal Lot Number	A-49
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3017
Census Tract	950600

Owner

1601 S 4th St is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	13245 W 350TH AVE, MASON, IL 62443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
May 28, 2026	Executor's Deed, Transfer · Conventional Mortgage CASTLE MORTGAGE
May 4, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	May 4, 2017 · Amount on File
Deed Document Number	20261939
Prior Transfer Date	Nov 12, 2004
Prior Transfer Doc	0020407078
Record Updated	Oct 29, 2026

May 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 28, 2026
Property Address	1601 S 4TH ST, EFFINGHAM, IL 62401-4058
Document Number	0000001939
Instrument Date	May 22, 2026
Instrument	20261939
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001940,
Date	May 28, 2026
Instrument	20261940

Lender

Name	CASTLE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 4, 2017
Property Address	1601 S 4TH ST, EFFINGHAM, IL 62401-4058
Document Number	3297/117
Book / Page	3297 / 117
Map Reference	PL 3 PG 146
Instrument Date	May 3, 2017
Instrument	201701701944
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$169.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11040 E MAYWOOD CT, 11040, EFFINGHAM, IL 62401-7432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 S 4TH ST, EFFINGHAM, IL 62401-4058

Tax Assessment & Valuation

The 2025 property tax bill for 1601 S 4th St was $1,478 with exemptions applied, down 16.5% 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	$1,478.00 (-16.5%) Homeowner's exemption Senior Citizen's exemption	$53,580 (+1%) Land $16,250 Building $37,330	$160,740 (+1%) Land $48,750 Building $111,990
2024	$1,770.00	$48,710 Land $14,770 Building $33,940	$146,130 Land $44,310 Building $101,820
2022	$1,915.00 Homeowner's exemption Senior Citizen's exemption	$40,620 Land $12,320 Building $28,300	$121,860 Land $36,960 Building $84,900

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 1601 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 1601 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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