620 N 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 620 N 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1930
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$59,000 (May 2021)
Tax Bill	$2,052 (2025)
Deeds & Mortgages	May 2021 Sale & Second Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-16-013-001`

Property Details

APN / Parcel Number

Primary APN	`03-16-013-001`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Base Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	620 N 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 2 THIES & JANSEN 3685/106 3013/327 1909/12 960/267
Legal Subdivision	THIES AND JANSEN S SUBDIVISION
Legal Block	2
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1002
Census Tract	950800

Owner

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	Individual Name on Record
Mailing Address	14634 N AMBER LN, EFFINGHAM, IL 62401-4342
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage CROSSROADS BANK
Sep 6, 2017	Special Master Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Sep 6, 2017 · Amount on Record
Deed Document Number	202121002341
Deed Book / Page	3685 / 106
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	3331/206
Record Updated	Oct 29, 2026

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 11, 2021
Property Address	620 N 4TH ST, EFFINGHAM, IL 62401-3305
Document Number	3685/106
Book / Page	3685 / 106
Map Reference	PL 1 PG 26
Instrument Date	May 7, 2021
Instrument	202121002341
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 BENT TREE DR, 603, EFFINGHAM, IL 62401-3157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14634 N AMBER LN, EFFINGHAM, IL 62401-4342

Mortgage

Document Number	202121002342
Date	May 11, 2021
Instrument	202121002342

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 7, 2041

September 2017: Special Master Deed, Transfer

Document Type	Special Master Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 6, 2017
Property Address	620 N 4TH ST, EFFINGHAM, IL 62401-3305
Document Number	3331/206
Book / Page	3331 / 206
Map Reference	MB 1 PG 26
Instrument Date	Aug 25, 2017
Instrument	201701704235
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
Tax	$23.25
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 WILLENBORG ST, EFFINGHAM, IL 62401-4628

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,052.00 (+11.22%)	$36,380 (+31.91%) Land $10,020 Building $26,360	$109,140 (+31.91%) Land $30,060 Building $79,080
2022	$1,845.00	$27,580 Land $7,600 Building $19,980	$82,740 Land $22,800 Building $59,940

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

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 (1993)
Most Recent Claim	Jul 1993 · river or lake flooding

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.

Wildfire

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 434 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
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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