407 Cedar Dr, Charleston, IL 61920 Property Records

Coles County property record for 407 Cedar Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,484 sqft · built 1957
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Sep 2021)
Tax Bill	$2,940 (2025)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-1-05612-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-05612-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,484 sqft Base Area
1st Floor Area	1,484 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 CEDAR DR
City	CHARLESTON
State	IL
Zip	61920-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DR E 50 FT LOT 3 & W 50 FT OF LOT 5 NW 1/4 SEC 23 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	23
Legal Subdivision	CEDAR DRIVE
Legal Lot Number	3,5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	407 CEDAR DR, CHARLESTON, IL 61920-4067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Intrafamily Transfer, Transfer
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA
Sep 16, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Aug 16, 2019	Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS & LOAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	2021797374
Transfer Doc	0000797373
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLES IL
Recording Date	Sep 16, 2021
Property Address	407 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	202100797243
Instrument Date	Sep 15, 2021
Instrument	202100797243
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2334 SARATOGA PL, CHARLESTON, IL 61920-3858

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 24, 2021
Property Address	407 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	202100797374
Instrument Date	Sep 8, 2021
Instrument	202100797374
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CEDAR DR, CHARLESTON, IL 61920-4067

Mortgage

Document Number	202100797375
Date	Sep 24, 2021
Instrument	202100797375

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLES IL
Recording Date	Sep 16, 2021
Property Address	407 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	202100797242
Instrument Date	Sep 1, 2021
Instrument	202100797242
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	2334 SARATOGA PL, CHARLESTON, IL 61920-3858

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Aug 16, 2019
Property Address	407 CEDAR DR, CHARLESTON, IL 61920-4067
Document Number	201900783405
Map Reference	PB 2 PG 55
Instrument Date	Aug 15, 2019
Instrument	201900783405
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$71.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1023 COLONY LN, 1023, CHARLESTON, IL 61920-4264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2334 SARATOGA PL, CHARLESTON, IL 61920-3858

Mortgage

Document Number	201900783406
Date	Aug 16, 2019
Instrument	201900783406

Lender

Name	FIRST FEDERAL SAVINGS & LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.25%

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	$2,940.00 (+99.46%)	$40,388 (+20.67%) Land $5,242 Building $35,146	$121,164 (+20.67%) Land $15,726 Building $105,438
2023		$33,470 Land $4,344 Building $29,126	$100,410 Land $13,032 Building $87,378
2020	$1,474.00

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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