409 7th St, Charleston, IL 61920 Property Records

Coles County property record for 409 7th St, Charleston, IL 61920

Property Summary

Property Type	Commercial
Details	10,396 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2018)
Tax Bill	$6,584 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-1-02798-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-02798-000`

Interior

Building Area	10,396 sqft Building Perimeter

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	148 ft deep x 54.9 ft wide

Location & Zoning

Street Address	409 7TH ST
City	CHARLESTON
State	IL
Zip	61920-2046
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ORIGINAL TOWN OF CHARLESTON BLK 2 LOTS 13 & W 32.5 FT LOT 14 SW 1/4 SEC 11 T12N R09E FKA WHATS COOKIN WBS PUB & GRILL
Legal Range	09E
Legal Township	12N
Legal Section	11
Legal Subdivision	ORIGINAL TOWN OF CHARLESTON
Legal Block	2
Legal Lot Number	13-14
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	6
Census Block	6019
Census Tract	500

Owner

409 7th St, a commercial property, is owned by an individual who bought it in March 2018.

Source: Coles County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	821 BIGGS DR, CHARLESTON, IL 61920-1817
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
Jun 21, 2023	Deed of Trust, Mortgage COLUMBIA STATE BANK
Mar 13, 2018	Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS & LOAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2018 · Amount on File
Deed Sale	Mar 13, 2018 · Amount on File
Deed Document Number	2018775142
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	409 7TH ST, CHARLESTON, IL 61920-2046
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 BIGGS DR, CHARLESTON, IL 61920-1817

Mortgage

Document Number	202300807207
Date	Jun 21, 2023
Instrument	202300807207

Lender

Name	COLUMBIA STATE BANK
Type	Bank
Address	CHARLESTON, IL 61920

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 12, 2043

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Mar 13, 2018
Property Address	409 7TH ST, CHARLESTON, IL 61920-2046
Document Number	201800775142
Instrument Date	Mar 12, 2018
Instrument	201800775142
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	COLES COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	821 BIGGS DR, CHARLESTON, IL 61920-1817

Mortgage

Document Number	201800775143
Date	Mar 13, 2018
Instrument	201800775143

Lender

Name	FIRST FEDERAL SAVINGS & LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 409 7th St was $6,584, up 3.4% 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	$6,584.00 (+3.41%)	$90,421 (+10.2%) Land $10,415 Building $80,006	$271,263 (+10.2%) Land $31,245 Building $240,018
2024	$6,367.00	$82,052 (+9.5%) Land $9,451 Building $72,601	$246,156 (+9.5%) Land $28,353 Building $217,803
2023		$74,933 Land $8,631 Building $66,302	$224,799 Land $25,893 Building $198,906
2020	$5,153.00

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 7th St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

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	5 in force
Nearby Flood Claims	11 (1996–2018)
Most Recent Claim	Apr 2018 · 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

The area around 409 7th 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 470 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

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