Coles County property record for 10630E E Co Rd 550N, Lerna, IL 62440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,881 sqft · built 1991 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,710 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-0-00956-000 |
| Primary APN | 06-0-00956-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,881 sqft Base Area |
| 1st Floor Area | 1,881 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Detached |
| Garage Area | 1,008 sqft |
| Cooling System | Central |
|---|
| Street Address | 10630E E COUNTY ROAD 550N |
|---|---|
| City | LERNA |
| State | IL |
| Zip | 62440-2225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF SEC 26 BK 744 PG 178 |
| Jurisdiction | COLES IL |
| Township / Civil Division | LAFAYETTE |
| Census Block Group | 5 |
| Census Block | 5027 |
| Census Tract | 200 |
10630E E Co Rd 550N is owned and occupied by an individual.
Source: Coles County records, as of June 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10630E E COUNTY ROAD 550N, LERNA, IL 62440-2225 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 10630E E COUNTY ROAD 550N, LERNA, IL 62440-2225 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202200799449 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 202200799449 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | MATTOON, IL 61938 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 15, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 10630E E Co Rd 550N was $4,710 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 | Mattoon Community Unit School District 2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,710.00 | $90,818 Land $18,648 Building $72,170 | $272,454 Land $55,944 Building $216,510 |
| 2023 | $74,245 Land $15,245 Building $59,000 | $222,735 Land $45,735 Building $177,000 | |
| 2020 | $4,036.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10630E E Co Rd 550N 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 10630E E Co Rd 550N 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 93% of the US · above 42% 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Fidium Fiber DSL | 80 / 5 |
May also be available: Verizon, Watch TV.
5G and 4G LTE (outdoors only)
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