1524 2nd St, Charleston, IL 61920 Property Records

Coles County property record for 1524 2nd St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	7 bd · 2 ba · 2,052 sqft · built 1941
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Apr 2026)
Tax Bill	$3,564 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Oct 2021 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-07185-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-07185-000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,052 sqft Base Area
1st Floor Area	2,052 sqft
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	440 sqft

Location & Zoning

Street Address	1524 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 36 SE 1/4 SEC 15 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	ELSMERE
Legal Lot Number	36
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2018
Census Tract	702

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	Company Name on Record
Mailing Address	505 W NORTH 3RD ST, SHELBYVILLE, IL 62565-1416
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit BENTON STATE BANK
Oct 19, 2021	Deed of Trust, Mortgage BENTON STATE BANK
Jul 20, 2010	Deed of Trust, Mortgage · Line of Credit FIRST NEIGHBOR BANK N A
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage PARK STATE BANK AND TRUST
Aug 10, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 29, 2018	Deed, Transfer
Dec 11, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Oct 1, 2024 · Amount on Record
Deed Document Number	2026822160
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800774462
Date	Jan 24, 2018
Instrument	201800774462

Lender

Name	FIRST MID ILLINOIS BK & TR NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 22, 2033

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7036 W BERWYN AVE, CHICAGO, IL 60656-1920
Investor	Possibly a Property Investor

Mortgage

Document Number	202100797787
Date	Oct 19, 2021
Instrument	202100797787

Lender

Name	BENTON STATE BANK
Type	Bank
Address	BENTON, WI 53803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 22, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7036 W BENWYN, CHICAGO, IL 60656-1920
Investor	Possibly a Property Investor

Mortgage

Document Number	202100797785
Date	Oct 19, 2021
Instrument	202100797785

Lender

Name	BENTON STATE BANK
Type	Bank
Address	BENTON, WI 53803

Agreement

Amount	Amount Recorded

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010723266
Date	Jul 20, 2010
Instrument	2010723266

Lender

Name	FIRST NEIGHBOR BANK N A
Address	CHARLESTON, IL 61920

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Apr 16, 2026
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Document Number	0000822160
Instrument Date	Apr 15, 2026
Instrument	2026.822160
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	CRITES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	505 W NORTH 3RD ST, SHELBYVILLE, IL 62565-1416

Mortgage

Document Number	0000822160,
Date	Apr 16, 2026
Instrument	2026.822160

Lender

Name	PARK STATE BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 16, 2031

Interest

Rate	6%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Aug 10, 2020
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Document Number	202000789363
Instrument Date	Aug 7, 2020
Instrument	202000789363
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7836 W FARRAGUT AVE, CHICAGO, IL 60656-1628
Investor	Possibly a Property Investor

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Mar 29, 2018
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Document Number	201800775383
Instrument Date	Mar 29, 2018
Instrument	201800775383
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
Tax	$146.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 6TH ST, CHARLESTON, IL 61920-2729

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Dec 11, 2017
Property Address	1524 2ND ST, CHARLESTON, IL 61920-3310
Document Number	201700773783
Instrument Date	Dec 8, 2017
Instrument	201700773783
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
Tax	$22.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14991 E COUNTY ROAD 600N, CHARLESTON, IL 61920-8084

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	$3,564.00 (+3.39%)	$48,949 (+10.2%) Land $4,641 Building $44,308	$146,847 (+10.2%) Land $13,923 Building $132,924
2024	$3,447.00 (+34.65%)	$44,418 (+9.5%) Land $4,211 Building $40,207	$133,254 (+9.5%) Land $12,633 Building $120,621
2023		$40,565 Land $3,846 Building $36,719	$121,695 Land $11,538 Building $110,157
2020	$2,560.00

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

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

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)
Fidium Fiber Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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