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405 S 4th Street Effingham, IL 62401 • Residential - Single Family • (Bank Owned) - Active

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Description

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

Property Highlights

Property Type: Residential - Single Family
Total Living Area SF: 2,268
Garage Size: 1
Built in 1898
School District: District 40

General Information

Bedrooms: 4
Bathrooms: 2
Sqft: 2,268
County: Effingham
Listed By:
Four Seasons Realty, Inc. 847-934-9100
MRED MLS

Room Information

Bedroom 2: 12X12
Bedroom 3: 12X11
Bedroom 4: 12X10
Kitchen: 12X10
Living Room: 12X10
Primary Bedroom: 12X13
$119,900
Est. $827/mo
4beds
2baths
2,268sqft
1cars
(Bank Owned) - Active
BEDS4 BATHS2 full SQUARE FEET2,268 MLS#12547524
STATUS(Bank Owned) - Active PROPERTY TYPEResidential - Single Family SCHOOLDistrict 40
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Shown By

Adam Edstrom
 (563) 210-6814

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405 S 4th Street, Effingham, IL 62401.

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Loan Type 30 Year FixedFHA 30 Year Fixed15 Year Fixed
Purchase Price $119,900$119,900$119,900
Down Payment $23,980$4,197$29,975
Monthly Mortgage Amount $560$678$729
Taxes $167$167$167
Insurance $100$100$100
HOA/Dues/Fees $0$0$0
Monthly Mortage Insurance $0$53$0
Monthly Estimated Total $827$998$996

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 03/14/2026. The listing information on this page last changed on 03/14/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sat 03/14/2026 5:20:57 AM EST) or MRED MLS (last updated Sat 03/14/2026 2:04:02 AM EST) or SCWMLS (last updated Fri 03/13/2026 11:54:54 PM EST) or Rockford Board of Realtors (NWIAR) (last updated Fri 03/13/2026 10:15:31 PM EST) or Cedar Rapids MLS (last updated Fri 03/13/2026 10:44:26 PM EST) or NEIRBR MLS (last updated Sat 03/14/2026 1:18:41 AM EST) or ICAAR MLS (last updated Fri 03/13/2026 11:37:32 PM EST) or ECIMLS (last updated Fri 03/13/2026 11:44:18 PM EST) or RMLSA (last updated Sat 03/14/2026 1:10:57 AM EST) or Muscatine MLS (last updated Sat 03/14/2026 2:00:24 AM EST) or No Coast MLS (last updated Sat 03/14/2026 12:44:21 AM EST). Real estate listings held by brokerage firms other than Ruhl&Ruhl Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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