320 S Locust St, Centralia, IL 62801 Property Records

Marion County property record for 320 S Locust St, Centralia, IL 62801

Property Summary

Property Type	Commercial
Details	11,127 sqft · built 1940
Lot Size	0.56 acres (24,426 sqft)
Owner	Company Name on File
Last Sale	$6,000 (Oct 2022)
Tax Bill	$3,701 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1400053511`

Property Details

APN / Parcel Number

Primary APN	`1400053511`

Interior

Building Area	11,127 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	24,426 sqft (0.56 acres)
Garage Area	100 sqft

Location & Zoning

Street Address	320 S LOCUST ST
City	CENTRALIA
State	IL
Zip	62801-3912
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	O.T. S 62 FT LOT 3 & 60 FT N SD LOT 4 BLK 45
Legal Subdivision	CENTRALIA
Legal Block	45
Legal Lot Number	3,4,60
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	2
Census Block	2072
Census Tract	952600

Owner

320 S Locust St, a commercial property, is owned by a company that bought it in October 2022.

Source: Marion County records, as of October 8, 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	Company Name on File
Mailing Address	208 CONGER AVE, CARMI, IL 62821-1274
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Warranty Deed, Transfer · Commercial Mortgage NASHVILLE SAVINGS BANK
May 25, 2017	Deed of Trust, Mortgage · Commercial Mortgage MARION COUNTY SAVINGS BANK
Apr 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage MARION COUNTY SAVINGS BANK
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Oct 12, 2022 · Amount on File
Deed Document Number	20225063
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Oct 12, 2022
Property Address	320 S LOCUST ST, CENTRALIA, IL 62801-3912
Document Number	2022R04740
Instrument Date	Sep 30, 2022
Instrument	2022R04740
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	DOMA TITLE

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 CONGER AVE, CARMI, IL 62821-1274

Mortgage

Document Number	2022R04741
Date	Oct 12, 2022
Instrument	2022R04741

Lender

Name	NASHVILLE SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2027

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	2022R04743
Date	Oct 12, 2022
Instrument	2022R04743

Lender

Name	JAMES E ROCKETT
Type	Seller
Address	306 N MORRISON ST, CENTRALIA, IL 62801

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	320 S LOCUST ST, CENTRALIA, IL 62801-3912
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R02967
Date	May 25, 2017
Instrument	2017R02967

Lender

Name	MARION COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2037

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	320 S LOCUST ST, CENTRALIA, IL 62801-3912
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R01723
Date	Apr 2, 2018
Instrument	2018R01723

Lender

Name	MARION COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 18, 2028

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	320 S LOCUST ST, CENTRALIA, IL 62801-3912
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	QUAD COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02980
Date	Jul 7, 2020
Instrument	2020R02980

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 320 S Locust St was $3,701.

Source: Marion County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Marion County
County Subdivision	Centralia Township
Municipality	Centralia City
Elementary School District	Centralia School District 135 (PK - 08)
Secondary School District	Centralia High School District 200 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,701.00	$51,940 Land $12,280 Building $39,660	$155,820 Land $36,840 Building $118,980
2022	$4,242.00	$45,810 Land $9,310 Building $36,500	$137,430 Land $27,930 Building $109,500

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

Flood

FEMA maps place 320 S Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 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

The area around 320 S Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CENTRALIA serves 12,182 people · EPA ID IL1214220
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, ClearWave, GigFire.

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