404 Cedar Dr, Charleston, IL 61920 Property Records

Coles County property record for 404 Cedar Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,774 sqft · built 1955
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Apr 2017)
Tax Bill	$2,094 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-1-05609-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-05609-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Base Area
1st Floor Area	1,774 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	100 ft deep x 238 ft wide
Garage Type	Attached
Garage Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 CEDAR DR
City	CHARLESTON
State	IL
Zip	61920-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DRIVE W 248 FT LOT 2 WITH IMP EX: 1104 SF TO STATE OF IL (690/105) NW 1/4 SEC 23 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	23
Legal Subdivision	CEDAR DRIVE
Legal Lot Number	2
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3009
Census Tract	800

Owner

Source: Coles County records, as of June 23, 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	404 CEDAR DR, CHARLESTON, IL 61920-4003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Apr 3, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2017 · Amount on Record
Deed Sale	Apr 3, 2017 · Amount on Record
Deed Document Number	2017769523
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	404 CEDAR DR, CHARLESTON, IL 61920-4003
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700773389
Date	Nov 17, 2017
Instrument	201700773389

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Apr 3, 2017
Property Address	404 CEDAR DR, CHARLESTON, IL 61920-4003
Document Number	201700769523
Instrument Date	Mar 31, 2017
Instrument	201700769523
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Tax	$97.50
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	404 CEDAR DR, CHARLESTON, IL 61920-4003

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	$2,094.00 (+3.82%)	$34,763 (+20.67%) Land $12,476 Building $22,287	$104,289 (+20.67%) Land $37,428 Building $66,861
2023		$28,808 Land $10,339 Building $18,469	$86,424 Land $31,017 Building $55,407
2020	$2,017.00

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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