Coles County property record for 10511 E Co Rd 550N, Lerna, IL 62440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 1971 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $96,000 (Dec 2018) |
| Deeds & Mortgages | Jun 2023 Line of Credit Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-0-00974-000 |
| Primary APN | 06-0-00974-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,320 sqft Base Area |
| 1st Floor Area | 1,320 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 51,836 sqft (1.19 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Street Address | 10511 E COUNTY ROAD 550N |
|---|---|
| City | LERNA |
| State | IL |
| Zip | 62440-2226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF SEC 26 BK 761 PG 215 |
| Jurisdiction | COLES IL |
| Township / Civil Division | LAFAYETTE |
| Census Block Group | 5 |
| Census Block | 5021 |
| Census Tract | 200 |
Source: Coles County records, as of June 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10511 E COUNTY ROAD 550N, LERNA, IL 62440-2226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEIGHBOR BANK NA |
| Dec 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST NEIGHBOR BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on Record |
| Deed Sale | Dec 21, 2018 · Amount on Record |
| Deed Document Number | 2018779561 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 10511 E COUNTY ROAD 550N, LERNA, IL 62440-2226 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300807231 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 202300807231 |
| Name | FIRST NEIGHBOR BANK NA |
|---|---|
| Type | Bank |
| Address | TOLEDO, IL 62468 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 12, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLES IL |
| Recording Date | Dec 21, 2018 |
| Property Address | 10511 E COUNTY ROAD 550N, LERNA, IL 62440-2226 |
| Document Number | 201800779561 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 201800779561 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 ARBOR LN, 108, MATTOON, IL 61938-2076 |
| Name | Verified Name |
|---|---|
| Address | 10511 ECR 550N, LERNA, IL 62440 |
| Document Number | 201800779562 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 201800779562 |
| Name | FIRST NEIGHBOR BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Coles County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Coles County |
| County Subdivision | Lafayette Township |
| Unified School District | Mattoon Community Unit School District 2 (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $45,625 (+22.32%) Land $6,013 Building $39,612 | $136,875 (+22.32%) Land $18,039 Building $118,836 |
| 2023 | $37,299 Land $4,915 Building $32,384 | $111,897 Land $14,745 Building $97,152 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 61% 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber DSL | 300 / 70 |
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Nextlink, T-Mobile, Verizon, Watch TV.
5G and 4G LTE (outdoors only)
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