Effingham County property record for 305 S 4th St, Effingham, IL 62401
| Property Type | Commercial |
|---|---|
| Details | 5,766 sqft · built 1900 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Company Name on File |
| Last Sale | $138,500 (Aug 2023) |
| Tax Bill | $2,084 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-036-024 |
| Primary APN | 03-16-036-024 |
|---|
| Building Area | 5,766 sqft Base Area |
|---|---|
| 1st Floor Area | 5,766 sqft |
| Basement Area | 5,766 sqft |
| Unfinished Basement | 5,766 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 13,939 sqft (0.32 acres) |
| Street Address | 305 S 4TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3702 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 6 BLK 7 RAILROAD ADD A 3873/23 694/233 |
| Legal Subdivision | RAILROAD ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950800 |
305 S 4th St, a commercial property, is owned by a company that bought it in August 2023.
Source: Effingham County records, as of October 12, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1020 KATRINA DR, EFFINGHAM, IL 62401-0018 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on File |
| Deed Sale | Aug 17, 2023 · Amount on File |
| Deed Document Number | 20232629 |
| Deed Book / Page | 3873 / 23 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Aug 17, 2023 |
| Property Address | 305 S 4TH ST, EFFINGHAM, IL 62401-3702 |
| Document Number | 0003873/23 |
| Book / Page | 3873 / 23 |
| Map Reference | DD 5 PG 232 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 202323002629 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 S 4TH ST, EFFINGHAM, IL 62401-3702 |
| Document Number | 202323002630 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 202323002630 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 31, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.22% |
The 2025 property tax bill for 305 S 4th St was $2,084.
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 | $2,084.00 | $36,950 Land $36,950 | $110,850 Land $110,850 |
| 2022 | $3,400.00 | $28,020 Land $28,020 | $84,060 Land $84,060 |
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.
FEMA maps place 305 S 4th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025
| 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 risk around 305 S 4th St is low, with less than 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 95% of the US · lower than 70% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 349 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 · Fiber in parts of the area | 1,000 / 50 |
| Fidium Fiber DSL | 500 / 75 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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