Coles County property record for 10432 E Co Rd 450N, Lerna, IL 62440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,744 sqft · built 1917 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,586 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-0-01309-000 |
| Primary APN | 06-0-01309-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,744 sqft Base Area |
| 1st Floor Area | 1,744 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Lot Area | 174,240 sqft (4 acres) |
| Lot Dimensions | 480 ft deep x 363 ft wide |
| Garage Type | Detached |
| Garage Area | 756 sqft |
| Street Address | 10432 E COUNTY ROAD 450N |
|---|---|
| City | LERNA |
| State | IL |
| Zip | 62440-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF SEC 35 #603438* 363X480 |
| Jurisdiction | COLES IL |
| Township / Civil Division | LAFAYETTE |
| Census Block Group | 5 |
| Census Block | 5030 |
| Census Tract | 200 |
10432 E Co Rd 450N is owned and occupied by two individuals.
Source: Coles County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10432E E COUNTY ROAD 450N, LERNA, IL 62440-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 10432 E COUNTY ROAD 450N, LERNA, IL 62440-2238 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201700768106 |
|---|---|
| Date | Jan 9, 2017 |
| Instrument | 201700768106 |
| Name | FIRST FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 29, 2031 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 10432 E Co Rd 450N was $2,586 with exemptions applied.
Source: Coles County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Coles County |
| County Subdivision | Lafayette Township |
| Unified School District | Charleston Community Unit School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,586.00 | $54,817 Land $10,037 Building $44,780 | $164,451 Land $30,111 Building $134,340 |
| 2023 | $44,813 Land $8,205 Building $36,608 | $134,439 Land $24,615 Building $109,824 | |
| 2020 | $2,481.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 10432 E Co Rd 450N in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1999–2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2021 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10432 E Co Rd 450N is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 700 / 300 |
| T-Mobile Fixed Wireless | 25 / 3 |
| Fidium Fiber DSL | 10 / 1 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures