2309 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 2309 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,008 sqft · built 1976
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,471 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-331-012`

Property Details

APN / Parcel Number

Primary APN	`03-11-331-012`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,008 sqft Base Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2309 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-4150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SLATE CREEK SUB 1021/203
Legal Subdivision	SLATE CREEK SUBDIVISION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3020
Census Tract	950600

Owner

2309 S 4th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150
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
Apr 10, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 10, 2026
Property Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150
Document Number	0000001311
Instrument Date	Apr 6, 2026
Instrument	20261311
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150

Mortgage

Document Number	0000001311,
Date	Apr 10, 2026
Instrument	20261311

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 23, 2036

Interest

Rate	6%
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3552/88
Date	Apr 20, 2020
Book Page	3552/88
Instrument	202020001701

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 18, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3639/249
Date	Dec 11, 2020
Book Page	3639/249
Instrument	202020006844

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	2309 S 4TH ST, EFFINGHAM, IL 62401-4150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3552/75
Date	Apr 20, 2020
Book Page	3552/75
Instrument	202020001700

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2309 S 4th St was $5,471 with exemptions applied.

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	$5,471.00	$108,110 Land $17,080 Building $91,030	$324,330 Land $51,240 Building $273,090
2022	$5,041.00 Homeowner's exemption	$81,970 Land $12,950 Building $69,020	$245,910 Land $38,850 Building $207,060

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2309 S 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 2309 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	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	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 181 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.

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