Coles County property record for 304 Main St, Lerna, IL 62440 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,658 sqft · built 1887 |
| Lot Size | 0.643 acres (28,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Apr 2020) |
| Tax Bill | $1,694 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-0-01832-000 |
| Primary APN | 11-0-01832-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,658 sqft Base Area |
| 1st Floor Area | 1,658 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Lot Area | 28,000 sqft (0.643 acres) |
| Lot Dimensions | 140 ft deep x 200 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Cooling System | Central |
|---|
| Street Address | 304 MAIN ST |
|---|---|
| City | LERNA |
| State | IL |
| Zip | 62440-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WM EWING ADD TO THE VILLAGE OF LERNA BLK 1 LOTS 9, 10, 11 & 12 SE1/4 SE1/4 SEC 03 T11N R08E |
| Legal Range | 08E |
| Legal Township | 11N |
| Legal Section | 03 |
| Legal Subdivision | VILLAGE OF LERNA |
| Legal Block | 1 |
| Legal Lot Number | 9-12 |
| Jurisdiction | COLES IL |
| Township / Civil Division | PLEASANT GROVE |
| Census Block Group | 5 |
| Census Block | 5089 |
| Census Tract | 200 |
Source: Coles County records · APN 11-0-01832-000
Assessment roll updated June 23, 2026 · Last verified July 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 | 304 MAIN ST, LERNA, IL 62440-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Apr 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 28, 2020 · Amount on Record |
| Deed Sale | Apr 28, 2020 · Amount on Record |
| Deed Document Number | 2020787335 |
| Prior Transfer Date | Apr 23, 2020 |
| Prior Transfer Doc | 0000787335 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 304 MAIN ST, LERNA, IL 62440-1109 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201900784311 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 201900784311 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 11, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 304 MAIN ST, LERNA, IL 62440-1109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201900784311 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 201900784311 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 11, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLES IL |
| Recording Date | Apr 28, 2020 |
| Property Address | 304 MAIN ST, LERNA, IL 62440-1109 |
| Document Number | 202000787335 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 202000787335 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 MAIN ST, LERNA, IL 62440-1109 |
| Document Number | 202000787336 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 202000787336 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Coles County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Coles County |
| County Subdivision | Pleasant Grove Township |
| Municipality | Lerna Village |
| Unified School District | Charleston Community Unit School District 1 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,694.00 (+89.91%) | $26,953 (+11.3%) Land $3,116 Building $23,837 | $80,859 (+11.3%) Land $9,348 Building $71,511 |
| 2023 | $24,217 Land $2,800 Building $21,417 | $72,651 Land $8,400 Building $64,251 | |
| 2020 | $892.00 |
Source: FEMA National Flood Hazard Layer, Coles County (17029C), updated July 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170290002005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 2 (1999–2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2021, river or lake flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AMG Technology Investment Group | Fixed Wireless | 1,000 / 500 |
| Consolidated Communications | DSL | 500 / 75 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Benton Ridge Telephone Company | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, AMG Technology Investment Group, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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