514 N 4th St, Effingham, IL, 62401
About This Home
Well-maintained ranch on the north side of Effingham offering 2 bedrooms, 1.5 baths, and a functional layout designed for everyday living. The main level features two spacious living areas along with convenient main-floor laundry. The kitchen was updated in 2022 with quartz countertops, newer appliances, and modern finishes. Replacement windows throughout provide excellent natural light and improved energy efficiency. Major updates have already been completed, including a new 200-amp electrical service (2026), and HVAC repairs and servicing (2026). Outside, you'll find a fenced backyard and a 30' x 28' detached garage with concrete floors, offering plenty of space for vehicles, hobbies, or additional storage. An unfinished basement provides even more storage options. A pre-listing home inspection has been completed, with the inspection report and repair invoices available for buyer review. Sewer Line Replaced 07/25/2026.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1915
Materials
- Foundation: Basement
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Water Heater,Microwave,Range,Refrigerator,Range Hood,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Unfinished,Partial
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Family Room
- Level: Main
Features
- Main Level Primary
- Window features: Replacement Windows
- Finished area below ground: 0
- Finished area above ground: 1,228
Half Bath
- Level: Main
Heating & Cooling
- Heating features: Forced Air,Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,228
- Total interior livable area: 1,228 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Other
- Features: Tub Shower
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 0316013008
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: Fence
- Fencing: Yard Fenced
Lot
- Lot size: 8,276 sqft
Parking
- Total spaces: 2
- Parking features: Detached,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Tornado
- Cold Wave
- Earthquake
- Hail
- Inland Flooding
- Strong Wind
- Winter Weather
- Drought
- Heat Wave
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,011 | $12,132 |
| Home Insurance * | $142 | $1,704 |
| Property Taxes | $228 | $2,736 |
| Electricity | $130 | $1,569 |
| Total | $1,511 | $18,132 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Price change | $185,000 |
| 2026-07-07 | Listed for sale | $200,000 |
| 2026-06-01 | Listing removed | $212,900 |
| 2026-04-30 | Listed for sale | $212,900 |
| 2025-05-08 | Listing removed | $218,900 |
| 2025-04-21 | Price change | $218,900 |
| 2025-04-01 | Listed for sale | $228,900 |
| 2022-08-22 | Listing removed | -- |
| 2022-08-16 | Listed for rent | $1,400 |
| 2022-06-03 | Sold | $154,000 |
| 2022-04-25 | Pending sale | $154,000 |
| 2022-04-25 | Contingent | $154,000 |
| 2022-04-20 | Listed for sale | $154,000 |
| 2016-08-10 | Sold | $90,000 |
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