Effingham County property record for 2804 S 4th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,736 sqft · built 1975 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $212,500 (Mar 2023) |
| Tax Bill | $5,316 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-328-001 |
| Primary APN | 03-11-328-001 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,736 sqft Base Area |
| 1st Floor Area | 1,736 sqft |
| Basement Area | 1,088 sqft |
| Unfinished Basement | 1,088 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2804 S 4TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-4106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK 15 BUENEKEMPER SUB ADD H 3844/283 2498/140 799/171 |
| Legal Subdivision | BUENEKEMPER SUBDIVISION ADDITION |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 950600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST MID BANK & TRUST NA |
| Mar 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on Record |
| Deed Sale | Mar 14, 2023 · Amount on Record |
| Deed Document Number | 2023807 |
| Deed Book / Page | 3844 / 283 |
| Prior Transfer Date | Mar 11, 2009 |
| Prior Transfer Doc | 2498/140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Document Number | 003849/213 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 3849/213 |
| Instrument | 202323001125 |
| Name | FIRST MID BANK & TRUST NA |
|---|---|
| Type | Bank |
| Address | NEOGA, IL 62447 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 20, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Mar 14, 2023 |
| Property Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Document Number | 003844/283 |
| Book / Page | 3844 / 283 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 202323000807 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $212.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2804 S 4TH ST, EFFINGHAM, IL 62401-4106 |
| Document Number | 003844/285 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 3844/285 |
| Instrument | 202323000808 |
| Name | FIRST MID BANK & TRUST NA |
|---|---|
| Type | Bank |
| Address | MATTOON, IL 61938 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
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 | $5,316.00 (-13.65%) | $100,360 (+1%) Land $12,690 Building $87,670 | $301,080 (+1%) Land $38,070 Building $263,010 |
| 2024 | $6,156.00 (+70.76%) | $91,240 (+19.91%) Land $11,540 Building $79,700 | $273,720 (+19.91%) Land $34,620 Building $239,100 |
| 2022 | $3,605.00 Homeowner's exemption Senior Citizen's exemption | $76,090 Land $9,620 Building $66,470 | $228,270 Land $28,860 Building $199,410 |
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 |
|---|---|
| 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 |
| Adjoins Burnable Land | Yes |
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 128 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 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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