Effingham County property record for 404 S 4th St, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 2,394 sqft · built 1965 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on File |
| Last Sale | $105,000 (Jun 2013) |
| Tax Bill | $4,682 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-16-037-030 |
| Primary APN | 03-16-037-030 |
|---|
| Building Area | 2,394 sqft Base Area |
|---|---|
| 1st Floor Area | 2,394 sqft |
| Basement Area | 2,394 sqft |
| Unfinished Basement | 2,394 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Street Address | 404 S 4TH ST |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 26 & 27 GILLENWATER ADD 2959/24 1217/166 898/249 |
| Legal Subdivision | GILLENWATER ADDITION |
| Legal Lot Number | 26-27 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 950800 |
404 S 4th St is owned by a company that bought it in June 2013.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 89, EFFINGHAM, IL 62401-0089 |
| 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.
| Date | Document |
|---|---|
| Mar 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK |
| Aug 6, 2020 | Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2013 · Amount on File |
| Deed Sale | Jun 14, 2013 · Amount on File |
| Deed Document Number | 20131303059 |
| Deed Book / Page | 2959 / 24 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 404 S 4TH ST, EFFINGHAM, IL 62401-3703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003371/040 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 3371/040 |
| Instrument | 201801800928 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Feb 26, 2033 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 404 S 4TH ST, EFFINGHAM, IL 62401-3703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00003597/1 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 3597/1 |
| Instrument | 202020004258 |
| Name | DIETERICH BANK NA |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 404 S 4th St was $4,682.
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 | $4,682.00 | $83,000 Land $29,630 Building $53,370 | $249,000 Land $88,890 Building $160,110 |
| 2022 | $4,213.00 | $62,940 Land $22,470 Building $40,470 | $188,820 Land $67,410 Building $121,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 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 404 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 | 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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