10863 Prestige Dr, Lerna, IL 62440 Property Records

Coles County property record for 10863 Prestige Dr, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,035 sqft · built 1978
Lot Size	1.15 acres (50,325 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2020)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2026 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-0-01687-000`

Property Details

APN / Parcel Number

Primary APN	`06-0-01687-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,035 sqft Base Area
1st Floor Area	2,035 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	50,325 sqft (1.15 acres)
Lot Dimensions	305 ft deep x 165 ft wide
Garage Type	Detached
Garage Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	10863 PRESTIGE DR
City	LERNA
State	IL
Zip	62440-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY HILLS EAST LOT 08
Legal Subdivision	HICKORY HILLS EAST SUB
Legal Lot Number	8
Jurisdiction	COLES IL
Township / Civil Division	LAFAYETTE
Census Block Group	5
Census Block	5024
Census Tract	200

Owner

Source: Coles County assessment roll, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	10863 PRESTIGE DR, LERNA, IL 62440-2217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 20, 2026	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 17, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Apr 28, 2015 · Amount on Record
Deed Document Number	2020790100
Last Transfer Date	Mar 18, 2026
Transfer Doc	202600821750
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Recording Date	Apr 14, 2026
Property Address	10863 PRESTIGE DR, LERNA, IL 62440-2217
Document Number	0000822123
Instrument Date	Apr 6, 2026
Instrument	2026822123
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10863 PRESTIGE DR, LERNA, IL 62440-2217

Mortgage

Document Number	0000822123,
Date	Apr 14, 2026
Instrument	2026822123

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	11.6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLES IL
Recording Date	Mar 20, 2026
Property Address	10863 PRESTIGE DR, LERNA, IL 62440-2217
Document Number	202600821750
Map Reference	MB 4 PG 127
Instrument Date	Mar 18, 2026
Instrument	202600821750
Transaction Type	Transfer
Record Updated	Apr 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10863 PRESTIGE DR, LERNA, IL 62440-2217

Mortgage

Document Number	202600822123
Date	Mar 20, 2026
Instrument	202600822123

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	242 Months
Due	May 1, 2046

Interest

Rate	11.6%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 17, 2020
Property Address	10863 PRESTIGE DR, LERNA, IL 62440-2217
Document Number	202000790100
Map Reference	MB 4 PG 127
Instrument Date	Sep 9, 2020
Instrument	202000790100
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	774 LIBRARY RD, 774, DANVILLE, VT 05828-9891

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10863 PRESTIGE DR, LERNA, IL 62440-2217

Mortgage

Document Number	202000790101
Date	Sep 17, 2020
Instrument	202000790101

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Coles County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Lafayette Township
Unified School District	Charleston Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,234.00 (+16.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$60,809 (+10.2%) Land $9,473 Building $51,336	$182,427 (+10.2%) Land $28,419 Building $154,008
2024	$2,774.00 (-0.86%)	$55,180 (+11%) Land $8,596 Building $46,584	$165,540 (+11%) Land $25,788 Building $139,752
2023		$49,712 Land $7,744 Building $41,968	$149,136 Land $23,232 Building $125,904
2020	$2,798.00

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EASTERN ILLINOIS UNIVERSITY state or territorial government · serves 5,500 people · EPA ID IL0295500
Water Source	Purchased surface water from CHARLESTON
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Consolidated Communications DSL	50 / 5

May also be available: AMG Technology Investment Group, Benton Ridge Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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