408 College St, Lerna, IL 62440 Property Records

Coles County property record for 408 College St, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,488 sqft · built 1877
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Jun 2025)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-0-02025-000`

Property Details

APN / Parcel Number

Primary APN	`11-0-02025-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Base Area
1st Floor Area	1,488 sqft

Exterior

Year Built	Built 1877
Effective Year Built	Effective 1920
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	408 COLLEGE ST
City	LERNA
State	IL
Zip	62440-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JEFFRIES 1ST ADD TO THE VILLAGE OF LERNA BLK 2 LOTS 9 & 10 NE1/4 SEC 10 T11N R08E
Legal Range	08E
Legal Township	11N
Legal Section	10
Legal Subdivision	JEFFRIES 1ST ADD
Legal Block	2
Legal Lot Number	9-10
Jurisdiction	COLES IL
Township / Civil Division	PLEASANT GROVE
Census Block Group	5
Census Block	5096
Census Tract	200

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	408 COLLEGE ST, LERNA, IL 62440-1153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 6, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTON COMMUNITY BANK
Jan 9, 2020	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2025 · Amount on Record
Deed Sale	Jun 4, 2025 · Amount on Record
Prior Sale	Feb 6, 2020 · Amount on Record
Deed Document Number	2025817397
Prior Transfer Date	Aug 16, 2016
Prior Transfer Doc	0000767031
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Recording Date	May 20, 2026
Property Address	408 COLLEGE ST, LERNA, IL 62440-1153
Document Number	0000822759
Instrument Date	May 14, 2026
Instrument	2026822759
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 COLLEGE ST, LERNA, IL 62440-1153

Mortgage

Document Number	0000822759,
Date	May 20, 2026
Instrument	2026822759

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Feb 6, 2020
Property Address	408 COLLEGE ST, LERNA, IL 62440
Document Number	202000786200
Instrument Date	Jan 21, 2020
Instrument	202000786200
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 23259, BELLEVILLE, IL 62223-0259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 234, LERNA, IL 62440-0234

Mortgage

Document Number	202000786201
Date	Feb 6, 2020
Instrument	202000786201

Lender

Name	MORTON COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2020: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	COLES IL
Recording Date	Jan 9, 2020
Property Address	408 COLLEGE ST, LERNA, IL 62440
Document Number	202000785752
Instrument Date	Jan 9, 2020
Instrument	202000785752
Transaction Type	Foreclosure
Record Updated	May 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 23259, BELLEVILLE, IL 62223-0259

Tax Assessment & Valuation

Source: Coles County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Pleasant Grove Township
Municipality	Lerna Village
Unified School District	Charleston Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,056.00 (+0.57%)	$16,797 (+6%) Land $1,558 Building $15,239	$50,391 (+6%) Land $4,674 Building $45,717
2024	$1,050.00 (+76.17%)	$15,846 (+5%) Land $1,470 Building $14,376	$47,538 (+5%) Land $4,410 Building $43,128
2023		$15,091 Land $1,400 Building $13,691	$45,273 Land $4,200 Building $41,073
2020	$596.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1999–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
Fidium Fiber DSL	500 / 75
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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