1547 Whetstone Rd, Charleston, IL 61920 Property Records

Coles County property record for 1547 Whetstone Rd, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,920 sqft · built 1998
Lot Size	21.7 acres (945,688 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2017)
Tax Bill	$7,377 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-0-00911-000`

Property Details

APN / Parcel Number

Primary APN	`05-0-00911-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,920 sqft Base Area
1st Floor Area	1,920 sqft
Basement Area	1,920 sqft
Unfinished Basement	1,920 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	945,688 sqft (21.7 acres)
Garage Type	Basement
Garage Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1547 WHETSTONE RD
City	CHARLESTON
State	IL
Zip	61920-6721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SEC 17 #629063*
Jurisdiction	COLES IL
Township / Civil Division	HUTTON
Census Block Group	2
Census Block	2067
Census Tract	600

Owner

1547 Whetstone Rd is owned and occupied by two individuals who bought it in November 2017.

Source: Coles County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA
Dec 16, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Nov 27, 2017	Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2017 · Amount on File
Deed Sale	Nov 27, 2017 · Amount on File
Prior Sale	Jul 30, 2013 · Amount on File
Deed Document Number	2017773480
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	May 9, 2022
Property Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721
Document Number	202200801114
Instrument Date	May 3, 2022
Instrument	202200801114
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 ABERDEEN WAY, 19, BLOOMINGTON, IL 61704-8115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721

Mortgage

Document Number	202200801115
Date	May 9, 2022
Instrument	202200801115

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.87%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000791906
Date	Dec 16, 2020
Instrument	202000791906

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Nov 27, 2017
Property Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721
Document Number	201700773480
Instrument Date	Nov 22, 2017
Instrument	201700773480
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	COLES COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1547 WHETSTONE RD, CHARLESTON, IL 61920-6721

Mortgage

Document Number	201700773481
Date	Nov 27, 2017
Instrument	201700773481

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1547 Whetstone Rd was $7,377 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Hutton 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	$7,377.00	$126,189 Land $33,681 Building $92,508	$378,567 Land $101,043 Building $277,524
2023		$116,116 Land $30,992 Building $85,124	$348,348 Land $92,976 Building $255,372

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

FEMA maps place 1547 Whetstone Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1547 Whetstone Rd is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 200
GigFire Fixed Wireless	150 / 130

Cell Coverage

5G and 4G LTE (outdoors only)

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