405 Cedar Dr, Charleston, IL 61920 Property Records

Coles County property record for 405 Cedar Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,307 sqft · built 1944
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,500 (Mar 2026)
Tax Bill	$2,773 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2012 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-1-05611-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-05611-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,307 sqft Base Area
1st Floor Area	1,307 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	549 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	405 CEDAR DR
City	CHARLESTON
State	IL
Zip	61920-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DR W 100 FT LOT 3 NW 1/4 SEC 23 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	23
Legal Subdivision	CEDAR DRIVE
Legal Lot Number	3
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 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 CEDAR DR, CHARLESTON, IL 61920-4067
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 22, 2012	Warranty Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Jun 22, 2012 · Amount on Record
Deed Document Number	2026821596
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Mar 10, 2026
Property Address	405 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	202600821596
Instrument Date	Mar 6, 2026
Instrument	202600821596
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	CRITES TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 HEATHER DR, CHARLESTON, IL 61920-3881

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	405 CEDAR DR, CHARLESTON, IL 61920-4067

Mortgage

Document Number	202600821597
Date	Mar 10, 2026
Instrument	202600821597

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate	5.87%

June 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 22, 2012
Property Address	405 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	2012737919
Instrument Date	Jun 21, 2012
Instrument	2012737919
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 CEDAR DR, CHARLESTON, IL 61920-4067

Mortgage

Document Number	20012737920
Date	Jun 22, 2012
Instrument	20012737920

Lender

Name	PRAIRIE STATE BANK & TRUST
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2042

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	$2,773.00 (-0.04%)	$38,095 (+10.2%) Land $5,242 Building $32,853	$114,285 (+10.2%) Land $15,726 Building $98,559
2024		$34,569 (+9.5%) Land $4,757 Building $29,812	$103,707 (+9.5%) Land $14,271 Building $89,436
2023		$31,570 Land $4,344 Building $27,226	$94,710 Land $13,032 Building $81,678
2020	$2,774.00

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	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 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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