403 Cedar Dr, Charleston, IL 61920 Property Records

Coles County property record for 403 Cedar Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1959
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Aug 2008)
Tax Bill	$2,866 (2025)
Deeds & Mortgages	Jun 2007 Mortgage May 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-1-05608-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-05608-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Base Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	100 ft deep x 238 ft wide
Garage Type	Detached
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	403 CEDAR DR
City	CHARLESTON
State	IL
Zip	61920-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DRIVE LOT 1 EX: 1170 SF TO STATE OF ILLINOIS (690/108) NW 1/4 SEC 23 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	23
Legal Subdivision	CEDAR DRIVE
Legal Lot Number	1
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3009
Census Tract	800

Owner

Source: Coles County records, as of July 20, 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 Record
Mailing Address	403 CEDAR DR, CHARLESTON, IL 61920-4067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSLA OF MATTOON
May 1, 2009	Deed of Trust, Mortgage FLORA SAVINGS BANK
Aug 11, 2008	Warranty Deed, Transfer FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2008 · Amount on Record
Deed Sale	Aug 11, 2008 · Amount on Record
Deed Document Number	2008709254
Record Updated	Sep 20, 2026

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	403 CEDAR DR, CHARLESTON, IL 61920-4067
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000699878
Date	Jun 13, 2007
Instrument	699878

Lender

Name	FIRST FSLA OF MATTOON
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	403 CEDAR DR, CHARLESTON, IL 61920-4067
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009714512
Date	May 1, 2009
Instrument	2009714512

Lender

Name	FLORA SAVINGS BANK
Address	FLORA, IL 62839

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Apr 24, 2014

Interest

Rate	5.75%

August 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Aug 11, 2008
Property Address	403 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	2008709254
Instrument Date	Aug 11, 2008
Instrument	2008709254
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9422E E COUNTY ROAD 1300N, HUMBOLDT, IL 61931-7836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 N OLIVE RD, FLORA, IL 62839-2416

Mortgage

Document Number	2008709255
Date	Aug 11, 2008
Instrument	2008709255

Lender

Name	FLORA BANK & TRUST
Address	FLORA, IL 62839

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 11, 2013

Interest

Rate	6.5%

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	$2,866.00 (+23.11%)	$39,368 (+20.67%) Land $12,476 Building $26,892	$118,104 (+20.67%) Land $37,428 Building $80,676
2023		$32,625 Land $10,339 Building $22,286	$97,875 Land $31,017 Building $66,858
2020	$2,328.00

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	Direct burnable vegetation

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 59 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
AT&T Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

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