Coles County property record for 408 Cedar Dr, Charleston, IL 61920
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,848 sqft · built 1960 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $118,000 (Sep 2008) |
| Tax Bill | $1,567 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-1-05610-000 |
| Primary APN | 02-1-05610-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,848 sqft Base Area |
| 1st Floor Area | 1,848 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Cooling System | Central |
|---|
| Street Address | 408 CEDAR DR |
|---|---|
| City | CHARLESTON |
| State | IL |
| Zip | 61920-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR DR E 50 FT LOT 2 & W 50 FT LOT 4 NW 1/4 SEC 23 T12N R09E |
| Legal Range | 09E |
| Legal Township | 12N |
| Legal Section | 23 |
| Legal Subdivision | CEDAR DRIVE |
| Legal Lot Number | 2,4 |
| Jurisdiction | COLES IL |
| Township / Civil Division | CHARLESTON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 800 |
408 Cedar Dr is owned and occupied by two individuals who bought it in September 2008.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 CEDAR DR, CHARLESTON, IL 61920-4003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2008 · Amount on File |
| Deed Sale | Sep 12, 2008 · Amount on File |
| Deed Document Number | 2008709919 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 408 CEDAR DR, CHARLESTON, IL 61920-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000790215 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 202000790215 |
| Name | COLUMBIA STATE BANK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, IL 61920 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Rate | 2.37% |
|---|
The 2025 property tax bill for 408 Cedar Dr was $1,567 with exemptions applied.
Source: Coles County assessment roll, as of June 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,567.00 | $48,099 Land $5,242 Building $42,857 | $144,297 Land $15,726 Building $128,571 |
| 2023 | $39,860 Land $4,344 Building $35,516 | $119,580 Land $13,032 Building $106,548 | |
| 2020 | $1,754.00 |
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.
FEMA maps place 408 Cedar Dr in Zone X, an area of minimal flood risk.
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 risk around 408 Cedar Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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