2405 S 4th St, Springfield, IL 62703 Property Records

Sangamon County property record for 2405 S 4th St, Springfield, IL 62703

Property Summary

Property Type	Single Family Home
Lot Size	0.137 acres (5,975 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Jul 2021)
Tax Bill	$2,341 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jul 2020 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`22-04.0-480-018`

Property Details

APN / Parcel Number

Primary APN	`22-04.0-480-018`
Alternative APN	`22040480018 (CHECK DIGIT = 3)`

Exterior

Lot Area	5,975 sqft (0.137 acres)

Location & Zoning

Account Number	22040480018
Street Address	2405 S 4TH ST
City	SPRINGFIELD
State	IL
Zip	62703-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAYNES S SIDE ADDN 4TH PLAT L 3 B 30
Legal Subdivision	PAYNES S SIDE ADD
Jurisdiction	SANGAMON IL
Township / Civil Division	CAPITAL
Census Block Group	2
Census Block	2049
Census Tract	1800

Owner

2405 S 4th St is owned and occupied by an individual who bought it in July 2021.

Source: Sangamon County records, as of June 2, 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	Individual Name on File
Mailing Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANK
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANK
Nov 14, 2012	Deed of Trust, Mortgage · Stand-Alone First Mortgage TOWN & COUNTRY BANK
Sep 3, 2010	Deed of Trust, Mortgage · Stand-Alone First Mortgage TOWN & COUNTRY BANC MTG SVCS
Feb 18, 2011	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANK
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS HOUSING DEV AUTHORITY
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH MORTGAGE INC
Nov 21, 2005	Warranty Deed, Transfer · Conventional Mortgage STATE STREET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on File
Deed Sale	Jul 28, 2021 · Amount on File
Prior Sale	Nov 21, 2005 · Amount on File
Deed Document Number	202120529
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R22308
Date	Oct 24, 2018
Instrument	2018R22308

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 19, 2019

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R17146
Date	Jul 10, 2020
Instrument	2020R17146

Lender

Name	TOWN & COUNTRY BANC MTG SVCS
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R17488
Date	Jul 14, 2020
Instrument	2020R17488

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	144 Months
Due	Jul 2, 2030

Interest

Rate Type	Fixed Rate

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012R44201
Date	Nov 14, 2012
Instrument	2012R44201

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010R31366
Date	Sep 3, 2010
Instrument	2010R31366

Lender

Name	TOWN & COUNTRY BANC MTG SVCS
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2040

Interest

Rate Type	Fixed Rate

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011R06396
Date	Feb 18, 2011
Instrument	2011R06396

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R20531
Date	Jul 28, 2021
Instrument	2021R20531

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Jul 28, 2021
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Document Number	2021R20529
Instrument Date	Jul 26, 2021
Instrument	2021R20529
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7216 RED SCHOOL RD, GILLESPIE, IL 62033-3423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403

Mortgage

Document Number	2021R20530
Date	Jul 28, 2021
Instrument	2021R20530

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	2021R20531
Date	Jul 28, 2021
Instrument	2021R20531

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Nov 21, 2005
Property Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403
Document Number	2005R47980
Instrument Date	Nov 11, 2005
Instrument	2005R47980
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 S 4TH ST, SPRINGFIELD, IL 62703-3403

Mortgage

Document Number	2005R47981
Date	Nov 21, 2005
Instrument	2005R47981

Lender

Name	STATE STREET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2405 S 4th St was $2,341 with a homeowner's exemption.

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Sangamon County
County Subdivision	Capital Township
Municipality	Springfield City
Unified School District	Springfield School District 186 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,341.00	$34,916 Land $4,964 Building $29,952	$104,748 Land $14,892 Building $89,856
2022	$2,505.00	$27,962 Land $4,011 Building $23,951	$83,886 Land $12,033 Building $71,853

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 2405 S 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 4, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2405 S 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	SPRINGFIELD serves 117,444 people · EPA ID IL1671200
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 650 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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