405 S 4th St, Effingham, IL, 62401
About This Home
Welcome Home to 405 S. 4th Street! This 2-Story home features 4 Bedrooms/2 Bathrooms, a 1 car detached garage, and approximately 2,268 square feet! This property is eligible under the Freddie Mac First Look Initiative though 2/8/2026. Seller will not complete any repairs to the subject property, either lender or buyer requested. The property is sold in AS IS condition Taxes prorated at 100 precent. EM MUST BE CERTIFIED FUNDS. Info not guaranteed. Seller does not provide survey. Equal Housing Opportunity. AS-IS
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1898
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Unfinished,Partial
Bedroom2
- Level: Second
- Area: 144
- Dimensions: 12X12
Bedroom3
- Level: Second
- Area: 132
- Dimensions: 12X11
Bedroom4
- Level: Second
- Area: 120
- Dimensions: 12X10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 0
- Total interior livable area: 2,268 sqft
Kitchen
- Level: Main
- Area: 120
- Dimensions: 12X10
Living Room
- Level: Main
- Area: 120
- Dimensions: 12X10
Master Bedroom
- Level: Second
- Area: 156
- Dimensions: 12X13
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 03160360290000
- Special condition: Real Estate Owned
Features
- Stories: 2
Lot
- Lot size: 0.32 Acres
Parking
- Total spaces: 1
- Parking features: Yes,Detached,Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $555 | $6,660 |
| Home Insurance * | $78 | $936 |
| Property Taxes | $125 | $1,500 |
| Electricity | $174 | $2,093 |
| Total | $932 | $11,184 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2016-03-17 | Sold | $103,400 |
| 2016-01-29 | Listed for sale | $110,000 |
| 2010-03-29 | Sold | $87,000 |
View on Zillow