1901 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 1901 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Commercial
Details	123,552 sqft · built 1978
Lot Size	3.96 acres (172,498 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Oct 2021)
Tax Bill	$28,897 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-032-073`

Property Details

APN / Parcel Number

Primary APN	`03-11-032-073`

Interior

Building Area	123,552 sqft Base Area
1st Floor Area	123,552 sqft
Basement Area	123,552 sqft
Unfinished Basement	123,552 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	172,498 sqft (3.96 acres)

Location & Zoning

Street Address	1901 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4187
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 7 VILLAGE SQUARE MALL SHOPPING CENTER 3735/69 1807/113 894/50
Legal Subdivision	VILLAGE SQUARE MALL SHOPPING CENTER
Legal Lot Number	7
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3019
Census Tract	950600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	316 E EICHE AVE, EFFINGHAM, IL 62401-4036
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Deed Document Number	202121005349
Deed Book / Page	3735 / 69
Record Updated	Oct 29, 2026

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 28, 2021
Property Address	1901 S 4TH ST, EFFINGHAM, IL 62401-4187
Document Number	3735/69
Book / Page	3735 / 69
Map Reference	MB 11 PG 55
Instrument Date	Oct 15, 2021
Instrument	202121005349
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1901 S 4TH ST, 1901, EFFINGHAM, IL 62401-4187

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E EICHE AVE, EFFINGHAM, IL 62401-4036

Mortgage

Document Number	202121005350
Date	Oct 28, 2021
Instrument	202121005350

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2041

Interest

Rate Type	Adjustable Rate

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	$28,897.00 (-62.5%)	$512,190 (+31.89%) Land $94,220 Building $417,970	$1,536,570 (+31.89%) Land $282,660 Building $1,253,910
2022	$77,065.00	$388,340 Land $71,430 Building $316,910	$1,165,020 Land $214,290 Building $950,730

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 · 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

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	Indirect within 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	EJ WATER COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
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	25 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 126 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
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

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