409 3rd St, Charleston, IL 61920 Property Records

Coles County property record for 409 3rd St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,164 sqft · built 1910
Lot Size	0.083 acres (3,630 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Feb 2026)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-2-11387-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-11387-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,164 sqft Base Area
1st Floor Area	1,164 sqft
Basement Area	588 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	3,630 sqft (0.083 acres)
Lot Dimensions	66 ft deep x 54.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 3RD ST
City	CHARLESTON
State	IL
Zip	61920-1466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NATHANIEL PARKERS ADDITION S1/2 OF LOT 11 E 1/2 SE 1/4 SEC 10 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	10
Legal Subdivision	NATHANIEL PARKERS ADDITION
Legal Lot Number	11
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	4
Census Block	4020
Census Tract	500

Owner

409 3rd St is owned and occupied by an individual who bought it in February 2026.

Source: Coles County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	409 3RD ST, CHARLESTON, IL 61920-1466
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Warranty Deed, Transfer · FHA Mortgage FIRST MID BANK & TRUST NATIONAL ASS
Aug 20, 2020	Warranty Deed, Transfer · Line of Credit COLUMBIA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Aug 20, 2020 · Amount on File
Deed Document Number	2026821054
Prior Transfer Date	Dec 16, 2025
Prior Transfer Doc	0000820680
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Feb 2, 2026
Property Address	409 3RD ST, CHARLESTON, IL 61920-1466
Document Number	202600821054
Instrument Date	Jan 30, 2026
Instrument	202600821054
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	UNKNOWN, ACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1056 COUNTY ROAD 2300 E, SIDNEY, IL 61877-9789

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 3RD ST, CHARLESTON, IL 61920-1466

Mortgage

Document Number	202600821055
Date	Feb 2, 2026
Instrument	202600821055

Lender

Name	FIRST MID BANK & TRUST NATIONAL ASS
Type	Private Party

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Aug 20, 2020
Property Address	409 3RD ST, CHARLESTON, IL 61920-1466
Document Number	202000789557
Instrument Date	Aug 17, 2020
Instrument	202000789557
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1811 MADISON AVE, CHARLESTON, IL 61920-2302

Mortgage

Document Number	202000789558
Date	Aug 20, 2020
Instrument	202000789558

Lender

Name	COLUMBIA STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 18, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 409 3rd St was $1,055, up 3.3% from the year before.

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	$1,055.00 (+3.33%)	$14,502 (+10.2%) Land $2,766 Building $11,736	$43,506 (+10.2%) Land $8,298 Building $35,208
2024	$1,021.00	$13,160 (+9.5%) Land $2,510 Building $10,650	$39,480 (+9.5%) Land $7,530 Building $31,950
2023		$12,018 Land $2,292 Building $9,726	$36,054 Land $6,876 Building $29,178
2020	$1,047.00

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

FEMA maps place 409 3rd St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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 Policies	1 in force
Nearby Flood Claims	2 (2017–2018)
Most Recent Claim	Apr 2018 · rainfall accumulation

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

The area around 409 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	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
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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