1518 2nd St, Charleston, IL 61920 Property Records

Coles County property record for 1518 2nd St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,254 sqft · built 1940
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$134,000 (Jun 2026)
Tax Bill	$1,870 (2025)
Deeds & Mortgages	Jun 2011 Line of Credit Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-07182-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-07182-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,254 sqft Base Area
1st Floor Area	1,254 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1950
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	1,056 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1518 2ND ST
City	CHARLESTON
State	IL
Zip	61920-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELSMERE S 75 FT OF LOT 34 SE 1/4 SEC 15 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	ELSMERE
Legal Lot Number	34
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2018
Census Tract	702

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	2 Individual Names on File
Mailing Address	1518 2ND ST, CHARLESTON, IL 61920-3310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2011	Deed of Trust, Mortgage · Line of Credit PRAIRIE STATE BANK & TRUST
Jun 15, 2026	Warranty Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC
Jun 13, 2008	Warranty Deed, Transfer · Line of Credit PRAIRIE STATE BANK & TRUST
Jun 1, 2006	Warranty Deed, Transfer THE FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Jun 13, 2008 · Amount on Record
Deed Document Number	2026823138
Record Updated	Sep 20, 2026

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1518 2ND ST, CHARLESTON, IL 61920-3310
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011730364
Date	Jun 24, 2011
Instrument	2011730364

Lender

Name	PRAIRIE STATE BANK & TRUST
Address	CHARLESTON, IL 61920

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 22, 2016

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 15, 2026
Property Address	1518 2ND ST, CHARLESTON, IL 61920-3310
Document Number	0000823138
Instrument Date	Jun 11, 2026
Instrument	2026823138
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$20,301.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1518 2ND ST, CHARLESTON, IL 61920-3310

Mortgage

Document Number	0000823139,
Date	Jun 15, 2026
Instrument	2026823139

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.75%
Max Rate	-1%

June 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 13, 2008
Property Address	1518 2ND ST, CHARLESTON, IL 61920-3310
Document Number	708007
Instrument Date	Jun 9, 2008
Instrument	708007
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1017 STINSON AVE, 1017, MATTOON, IL 61938-6044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7900 N CO RD 1850 E, CHARLESTON, IL 61920-8586

Mortgage

Document Number	0000708008
Date	Jun 13, 2008
Instrument	708008

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank
Address	61921

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 13, 2011

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 1, 2006
Property Address	1518 2ND ST, CHARLESTON, IL 61920-3310
Document Number	690710
Instrument Date	Jun 1, 2006
Instrument	690710
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12317E E COUNTY ROAD 700N, 12317E, CHARLESTON, IL 61920-7982

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1017 STINSON AVE, MATTOON, IL 61938-6044

Mortgage

Document Number	0000690711
Date	Jun 1, 2006
Instrument	690711

Lender

Name	THE FIRST NATIONAL BANK
Type	Non-Lending Institution
Address	MATTOON, IL 61938

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jun 1, 2009

Interest

Rate	8%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,870.00 (+5.71%)	$31,693 (+20.67%) Land $4,641 Building $27,052	$95,079 (+20.67%) Land $13,923 Building $81,156
2023		$26,264 Land $3,846 Building $22,418	$78,792 Land $11,538 Building $67,254
2020	$1,769.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

Drinking Water

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

Water System	CHARLESTON serves 17,286 people · EPA ID IL0290100
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Consolidated Communications Fiber	2,000 / 2,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
Benton Ridge Telephone Company Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, T-Mobile USA.

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