902 S 4th St, Effingham, IL 62401 Property Records

Effingham County property record for 902 S 4th St, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 882 sqft · built 1991
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Aug 2026)
Tax Bill	$2,919 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-16-050-036`

Property Details

APN / Parcel Number

Primary APN	`03-16-050-036`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	882 sqft Base Area
1st Floor Area	882 sqft
Basement Area	622 sqft
Unfinished Basement	622 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	902 S 4TH ST
City	EFFINGHAM
State	IL
Zip	62401-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 2 MV PARKS ADD TO BLISS PARK 3614/341 1040/38 880/49
Legal Subdivision	PARKS ADDITION
Legal Block	2
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	3
Census Block	3006
Census Tract	950600

Owner

Source: Effingham County records, as of October 5, 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	12900 N 1000TH RD, EFFINGHAM, IL 62401-7235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
May 27, 2026	Deed of Trust, Mortgage · Construction Mortgage TEUTOPOLIS STATE BANK
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK
Apr 4, 2017	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Sep 28, 2020 · Amount on File
Deed Document Number	20263003
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 10, 2026
Property Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809
Document Number	0000003003
Instrument Date	Aug 7, 2026
Instrument	20263003
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12900 N 1000TH RD, EFFINGHAM, IL 62401-7235

Mortgage

Document Number	0000003004,
Date	Aug 10, 2026
Instrument	20263004

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.81%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	May 27, 2026
Property Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809
Document Number	0000001921
Instrument Date	May 14, 2026
Instrument	20261921
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809

Mortgage

Document Number	0000001921,
Date	May 27, 2026
Instrument	20261921

Lender

Name	TEUTOPOLIS STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 14, 2027

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 28, 2020
Property Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809
Document Number	3614/341
Book / Page	3614 / 341
Map Reference	MB 29 PG 37
Instrument Date	Sep 23, 2020
Instrument	202020005347
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809

Mortgage

Document Number	202020005348
Date	Sep 28, 2020
Instrument	202020005348

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 4, 2017
Property Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809
Document Number	3290/144
Book / Page	3290 / 144
Map Reference	MB 29 PG 37
Instrument Date	Apr 3, 2017
Instrument	201701701482
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 S 4TH ST, EFFINGHAM, IL 62401-3809

Mortgage

Document Number	201701701483
Date	Apr 4, 2017
Instrument	201701701483

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate	4.25%

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	$2,919.00 (-7.04%) Homeowner's exemption	$57,740 (+1%) Land $10,180 Building $47,560	$173,220 (+1%) Land $30,540 Building $142,680
2024	$3,140.00 (+26.05%)	$52,490 (+19.89%) Land $9,250 Building $43,240	$157,470 (+19.89%) Land $27,750 Building $129,720
2022	$2,491.00 Homeowner's exemption	$43,780 Land $7,720 Building $36,060	$131,340 Land $23,160 Building $108,180

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

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	Direct burnable vegetation

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 444 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
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	250 / 40
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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