Effingham County property record for 2403 S 4th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,924 sqft · built 1975 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $184,500 (Sep 2014) |
| Tax Bill | $5,345 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-331-010 |
| Primary APN | 03-11-331-010 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,924 sqft Base Area |
| 1st Floor Area | 1,924 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2403 S 4TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 SLATE CREEK SUB 3062/271 2727/178 2504/33 2316/236 1864/268 1679/38 1209/298 |
| Legal Subdivision | SLATE CREEK SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 950600 |
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 | 2403 S 4TH ST, EFFINGHAM, IL 62401-4149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2014 · Amount on Record |
| Deed Sale | Sep 11, 2014 · Amount on Record |
| Prior Sale | May 12, 2011 |
| Deed Document Number | 20141403902 |
| Deed Book / Page | 3062 / 271 |
| Prior Transfer Date | Mar 12, 2009 |
| Prior Transfer Doc | 2504/033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jul 20, 2026 |
| Property Address | 2403 S 4TH ST, EFFINGHAM, IL 62401-4149 |
| Document Number | 0000002652 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 20262652 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2403 S 4TH ST, EFFINGHAM, IL 62401-4149 |
| Document Number | 0000002652, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 20262652 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,345.00 (-7.57%) Homeowner's exemption | $100,880 (+1%) Land $17,080 Building $83,800 | $302,640 (+1%) Land $51,240 Building $251,400 |
| 2024 | $5,783.00 (+23.73%) | $91,710 (+19.91%) Land $15,530 Building $76,180 | $275,130 (+19.91%) Land $46,590 Building $228,540 |
| 2022 | $4,674.00 Homeowner's exemption | $76,480 Land $12,950 Building $63,530 | $229,440 Land $38,850 Building $190,590 |
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.
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.
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.
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 |
| 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.
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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