321 A St, Charleston, IL 61920 Property Records

Coles County property record for 321 A St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,447 sqft · built 1888
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Sep 2025)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Sep 2025 Sale & Line of Credit Feb 2023 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2-12223-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-12223-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,447 sqft Base Area
1st Floor Area	1,447 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	90.5 ft deep x 57.6 ft wide

Location & Zoning

Street Address	321 A ST
City	CHARLESTON
State	IL
Zip	61920-1382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SALLEES 1ST ADDITION LOT 6 W 1/2 SE 1/4 SEC 10 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	10
Legal Subdivision	SALLEES 1ST ADDITION
Legal Lot Number	6
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2030
Census Tract	500

Owner

321 A St is owned by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	417 W KENTUCKY AVE, EFFINGHAM, IL 62401-2209
Owner Type	Individual
Vesting	Unmarried

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

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Warranty Deed, Transfer · Line of Credit DIETERICH BANK NA
Feb 21, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage FIRST NATIONAL BANK IN OLNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Feb 21, 2023 · Amount on File
Deed Document Number	2025819265
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 29, 2025
Property Address	321 A ST, CHARLESTON, IL 61920-1382
Document Number	202500819265
Instrument Date	Sep 23, 2025
Instrument	202500819265
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11242 N 775TH ST, NEWTON, IL 62448-3473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 W KENTUCKY AVE, EFFINGHAM, IL 62401-2209

Mortgage

Document Number	202500819266
Date	Sep 29, 2025
Instrument	202500819266

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Feb 21, 2023
Property Address	321 A ST, CHARLESTON, IL 61920-1382
Document Number	202300805461
Instrument Date	Feb 17, 2023
Instrument	202300805461
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11242 N 775TH ST, NEWTON, IL 62448-3473

Mortgage

Document Number	202300805462
Date	Feb 21, 2023
Instrument	202300805462

Lender

Name	FIRST NATIONAL BANK IN OLNEY
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 15, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 321 A St was $1,814.

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	$1,814.00	$24,924 (+133.7%) Land $1,957 Building $22,967	$74,772 (+133.7%) Land $5,871 Building $68,901
2024		$10,665 (+9.5%) Land $1,776 Building $8,889	$31,995 (+9.5%) Land $5,328 Building $26,667
2023		$9,740 Land $1,622 Building $8,118	$29,220 Land $4,866 Building $24,354
2020	$856.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 321 A St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 18, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 321 A St is low, with less than 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	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.

Nearby Properties on A St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures