Single Family: MLS #12547524 Effingham, IL ^$ 124,900

Single Family: MLS #12547524

^$ 124,900

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Single Family: MLS #12547524

Name: address
Address: IL, 62401

Effingham, IL, 62401

^$ 124,900

Bedrooms4 Baths2.0 Sq 2,268

Monthly Estimate*

^$ 769

Single Family Home for sale in Effingham, IL

for $124,900 with 4 bedrooms and 2 full baths. This 2,268 square foot home was built in 1898 on a lot size of 0.32.

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

Single Family Active

Price

^$ 124,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 3,844

Style

Lot Size

0.32

Year Built

1898

Town/City

Effingham

County/Region

Effingham

MLS | Web ID

12547524

Features

General

Living Area 2268

Sewer Public Sewer

Heating Natural Gas

Cooling Central Air

Possession Closing

Garage Spaces 1

Association Fee Includes None

Construction Materials Frame

Year Built 1898

Township Douglas

Tax Year 2024

Ownership Fee Simple

Assoc Fee Paid Per Not Applicable

County Effingham

New Construction N

Property Type Residential Detached Single

Total Rooms 6

Full Baths 2

Status Active

Directions IL RT 40 to S 5th St to Home

City Effingham

High School District 40

MLS Area Effingham

Tax Annual Amount 3844.72

Standard Status Active

Middle/Junior School District 40

Elementary School District 40

Interior

Basement Unfinished Partial

Half Baths 0

Total Bedrooms 4

Room Type No additional rooms

Total Baths 2

Bedrooms Possible 4

Exterior

Parking Features Yes Detached Garage

Water Source Public

Total Parking 1

Lot Dimensions 13939

Lot Size Acres 0.32

Waterfront Y/N N

* Excluded Features

List By

Four Seasons Realty, Inc.

Broker

fsrhomes@aol.com

Affordability Calculator

$1,089

Per Month

Monthly Principal & Interest: $769
Monthly Property Taxes: $320
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Effingham, IL

Average List Price ^$625,000

Percent of Sale Price 400%

About Effingham, IL

12,038 Population

0% Since 2002

^$45,013 Median Income

38.92 Median Age

25% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

566738 Elementary School

564892 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
1/14/2026	$124,900		Listed Price

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Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Data is updated as of 1/28/2026.

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Single Family: MLS #12547524

Single Family Home for sale in Effingham, IL

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