Contact us: 563.441.1776
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
MLS ID: 12547524
Room Information
Bedroom 2: 12X12
Bedroom 3: 12X11
Bedroom 4: 12X10
Kitchen: 12X10
Living Room: 12X10
Primary Bedroom: 12X13
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405 S 4th Street, Effingham, IL 62401.
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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 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 |
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 12:38:53 AM EST) or MRED MLS (last updated Sat 03/14/2026 12:32:54 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 12:28:42 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 12:30:58 AM EST) or Muscatine MLS (last updated Sat 03/14/2026 12:30:24 AM EST) or No Coast MLS (last updated Sat 03/14/2026 12:34:21 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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Member Participants (and their affiliated licensees, if applicable) shall indicate on their websites that IDX information is provided exclusively for consumers’ personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability.
Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Privacy Policy / DMCA Notice / ADA Accessibility
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