403 Melrose Ave, Centralia, IL 62801 Property Records

Marion County property record for 403 Melrose Ave, Centralia, IL 62801

Property Summary

Property Type	Single Family Home
Details	892 sqft · built 1933
Lot Size	0.139 acres (6,069 sqft)
Owner	Individual Name on File
Last Sale	$46,000 (Jul 2014)
Tax Bill	$1,138 (2025)
Deeds & Mortgages	Jan 2006 Line of Credit Jul 2014 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1400069620`

Property Details

APN / Parcel Number

Primary APN	`1400069620`

Interior

Building Area	892 sqft Living Area
Basement Area	892 sqft
Unfinished Basement	892 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Lot Area	6,069 sqft (0.139 acres)

Location & Zoning

Street Address	403 MELROSE AVE
City	CENTRALIA
State	IL
Zip	62801-4332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND MELROSE PLACE LOT 17 BLK 2
Legal Subdivision	SECOND MELROSE PLACE
Legal Block	2
Legal Lot Number	17
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	2
Census Block	2037
Census Tract	952400

Owner

403 Melrose Ave is owned and occupied by an individual who bought it in July 2014.

Source: Marion County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 17, CENTRALIA, IL 62801-9101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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
Jan 12, 2006	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 14, 2014	Warranty Deed, Transfer · USDA Mortgage USDA
May 9, 2006	Warranty Deed, Transfer · ARM FARMERS STATE BANK OF HOFFMAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2014 · Amount on File
Deed Sale	Jul 14, 2014 · Amount on File
Prior Sale	May 9, 2006 · Amount on File
Deed Document Number	20143791
Record Updated	Sep 20, 2026

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	403 MELROSE AVE, CENTRALIA, IL 62801-4332
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006R0245
Date	Jan 12, 2006
Instrument	2006R0245

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 12, 2030

Interest

Rate Type	Adjustable Rate
Rate	7%
Change Frequency	Monthly
Max Rate	24%

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Jul 14, 2014
Property Address	403 MELROSE AVE, CENTRALIA, IL 62801-4332
Document Number	2014R03791
Instrument Date	Jul 11, 2014
Instrument	2014R03791
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 COUNTRYVIEW, CENTRALIA, IL 62801

Mortgage

Document Number	2014R03792
Date	Jul 14, 2014
Instrument	2014R03792

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	May 9, 2006
Property Address	403 MELROSE AVE, CENTRALIA, IL 62801-4332
Document Number	2006R03207
Instrument Date	May 3, 2006
Instrument	2006R03207
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount on Record
Tax	$19.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	403 MELROSE AVE, CENTRALIA, IL 62801-4332

Mortgage

Document Number	2006R03208
Date	May 9, 2006
Instrument	2006R03208

Lender

Name	FARMERS STATE BANK OF HOFFMAN
Address	CENTRALIA, IL 62801

Agreement

Type	ARM
Amount	Amount on Record
Term	120 Months
Due	May 4, 2016

Interest

Rate Type	Adjustable Rate
Type Change Date	May 4, 2011
Change Frequency	Annually
Min Rate At Change	8.01%
Max Rate At Change	2%
Index	5-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 403 Melrose Ave was $1,138 with a homeowner's exemption, up 132.2% from the year before.

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	$1,138.00 (+132.24%)	$21,980 (+7.9%) Land $2,510 Building $19,470	$65,940 (+7.9%) Land $7,530 Building $58,410
2024	$490.00 Homeowner's exemption Senior Citizen's exemption	$20,370 Land $2,230 Building $18,140	$61,110 Land $6,690 Building $54,420
2022	$1,046.00 Homeowner's exemption	$17,300 Land $1,890 Building $15,410	$51,900 Land $5,670 Building $46,230

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 403 Melrose Ave 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 403 Melrose Ave 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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

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