11645 E Co Rd 000N, Lerna, IL 62440 Property Records

Coles County property record for 11645 E Co Rd 000N, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	1,792 sqft · built 2021
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$22,000 (Jun 2020)
Tax Bill	$4,719 (2025)
Deeds & Mortgages	May 2021 Construction Loan Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-0-00889-000`

Property Details

APN / Parcel Number

Primary APN	`11-0-00889-000`

Interior

Stories	1 Story
Building Area	1,792 sqft Base Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Detached
Garage Area	1,200 sqft

Location & Zoning

Street Address	11645 E COUNTY ROAD 000N
City	LERNA
State	IL
Zip	62440-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 SE1/4 SEC 24 T11N R08E SURVEY #634697
Legal Range	08E
Legal Township	11N
Legal Section	24
Jurisdiction	COLES IL
Township / Civil Division	PLEASANT GROVE
Census Block Group	1
Census Block	1089
Census Tract	600

Owner

Source: Coles County records, 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	2 Individual Names on Record
Mailing Address	11645 E COUNTY ROAD 000N, LERNA, IL 62440-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Construction Mortgage WASHINGTON SAVINGS BANK
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Jun 3, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST NA
Jul 18, 2019	Warranty Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	2020788018
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	11645 E COUNTY ROAD 000N, LERNA, IL 62440-2701
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 CHARLESTON AVE, MATTOON, IL 61938-4128

Mortgage

Document Number	202100794680
Date	May 18, 2021
Instrument	202100794680

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 14, 2022

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	11645 E COUNTY ROAD 000N, LERNA, IL 62440-2701
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200802758
Date	Aug 15, 2022
Instrument	202200802758

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 3, 2020
Property Address	11645 E COUNTY ROAD 000N, LERNA, IL 62440-2701
Document Number	202000788018
Instrument Date	Jun 2, 2020
Instrument	202000788018
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3327 MOULTRIE AVE, MATTOON, IL 61938-2107

Mortgage

Document Number	202000788019
Date	Jun 3, 2020
Instrument	202000788019

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jul 18, 2019
Property Address	11645 E COUNTY ROAD 000N, LERNA, IL 62440-2701
Document Number	201900782885
Map Reference	DOC 634697
Instrument Date	Jul 18, 2019
Instrument	201900782885
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10139 US HIGHWAY 45, MATTOON, IL 61938-6600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6469 N COUNTY ROAD 1120E, CHARLESTON, IL 61920-7924

Mortgage

Document Number	201900782886
Date	Jul 18, 2019
Instrument	201900782886

Lender

Name	PRAIRIE STATE BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Pleasant Grove 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	$4,719.00 (+787.03%)	$84,526 (+11.3%) Land $9,552 Building $74,974	$253,578 (+11.3%) Land $28,656 Building $224,922
2023		$75,944 Land $8,582 Building $67,362	$227,832 Land $25,746 Building $202,086
2020	$532.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	1 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Apr 2018 · 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
GigFire Fixed Wireless	150 / 130
Fidium Fiber DSL	150 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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