406 Cedar St, Centralia, IL 62801 Property Records

Marion County property record for 406 Cedar St, Centralia, IL 62801

Property Summary

Property Type	Single Family Home
Details	2,304 sqft · built 1933
Lot Size	0.231 acres (10,063 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Apr 2026)
Tax Bill	$3,069 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1400056485`

Property Details

APN / Parcel Number

Primary APN	`1400056485`

Interior

Building Area	2,304 sqft Living Area

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Lot Area	10,063 sqft (0.231 acres)
Garage Area	528 sqft

Location & Zoning

Street Address	406 CEDAR ST
City	CENTRALIA
State	IL
Zip	62801-4018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ERBES SUB. DIV. N 1/2 LOT 4 & ALL LOT 3 BLK 102
Legal Subdivision	ERBES SUB
Legal Block	102
Legal Lot Number	3,4
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	3
Census Block	3022
Census Tract	952600

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	17525 N BRECKENRIDGE LN, MOUNT VERNON, IL 62864-8617
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONAL BANK
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDWEST REG'L BANK
Nov 24, 2021	Warranty Deed, Transfer · Commercial Mortgage PEOPLES NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Nov 24, 2021 · Amount on Record
Deed Document Number	20261448
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Apr 10, 2026
Property Address	406 CEDAR ST, CENTRALIA, IL 62801-4018
Document Number	2026R01448
Instrument Date	Apr 7, 2026
Instrument	20261448
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	COMMUNITY TITLE, HIGHLAND COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,635.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	17525 N BRECKENRIDGE LN, MOUNT VERNON, IL 62864-8617

Mortgage

Document Number	0000001449,
Date	Apr 10, 2026
Instrument	20261449

Lender

Name	REGIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 8, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Apr 10, 2026
Property Address	406 CEDAR ST, CENTRALIA, IL 62801-4018
Document Number	0000001448
Instrument Date	Apr 7, 2026
Instrument	20261448
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	HIGHLAND CMNTY TITLE LLC, HIGHLAND COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,635.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	17525 N BRECKENRIDGE LN, MOUNT VERNON, IL 62864-8617

Mortgage

Document Number	0000001449,
Date	Apr 10, 2026
Instrument	20261449

Lender

Name	MIDWEST REG'L BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 8, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Nov 24, 2021
Property Address	406 CEDAR ST, CENTRALIA, IL 62801-4018
Document Number	2021R06065
Instrument Date	Nov 22, 2021
Instrument	2021R06065
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	OMA TITLE, DOMA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 BLACKBERRY RUN, CENTRALIA, IL 62801-6501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 E MCCORD ST, CENTRALIA, IL 62801-3350

Mortgage

Document Number	2021R06066
Date	Nov 24, 2021
Instrument	2021R06066

Lender

Name	PEOPLES NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,069.00 (+2.54%)	$43,060 (+11.99%) Land $3,100 Building $39,960	$129,180 (+11.99%) Land $9,300 Building $119,880
2024	$2,993.00 (-1.06%)	$38,450 (+17.69%) Land $2,770 Building $35,680	$115,350 (+17.69%) Land $8,310 Building $107,040
2022	$3,025.00	$32,670 Land $2,350 Building $30,320	$98,010 Land $7,050 Building $90,960

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 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

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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