409 E Charleston Rd, Ashmore, IL 61912 Property Records

Coles County property record for 409 E Charleston Rd, Ashmore, IL 61912

Property Summary

Property Type	Rural Home
Details	4,224 sqft · built 2018
Lot Size	2.36 acres (102,802 sqft)
Owner	Individual Name on Record
Tax Bill	$7,899 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-0-02572-002`

Property Details

APN / Parcel Number

Primary APN	`01-0-02572-002`

Interior

Stories	1 Story
Building Area	4,224 sqft Base Area
1st Floor Area	4,224 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	102,802 sqft (2.36 acres)

Location & Zoning

Street Address	409 E CHARLESTON RD
City	ASHMORE
State	IL
Zip	61912-9077
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ASSESSOR'S SUBDIVISION 31 ETC LOTS 43 & 44 PART OF SE1/4 SE1/4 SE1/4
Legal Subdivision	ASSESSOR'S SUBDIVISION
Legal Lot Number	43-44
Jurisdiction	COLES IL
Township / Civil Division	ASHMORE
Census Block Group	3
Census Block	3076
Census Tract	600

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	409 E CHARLESTON RD, ASHMORE, IL 61912-9077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPECT BANK
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROSPECT BANK
Dec 14, 2018	Deed of Trust, Mortgage · ARM PROSPECT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2015
Transfer Doc	0000761546
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	409 E CHARLESTON RD, ASHMORE, IL 61912-9077
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000789545
Date	Aug 20, 2020
Instrument	202000789545

Lender

Name	PROSPECT BANK
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2045

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	409 E CHARLESTON RD, ASHMORE, IL 61912-9077
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900782768
Date	Jul 12, 2019
Instrument	201900782768

Lender

Name	PROSPECT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	409 E CHARLESTON RD, ASHMORE, IL 61912-9077
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800779418
Date	Dec 14, 2018
Instrument	201800779418

Lender

Name	PROSPECT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.63%
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,899.00 (-9.13%)	$147,689 (+10.35%) Land $7,980 Building $139,709	$443,067 (+10.35%) Land $23,940 Building $419,127
2023		$133,839 Land $7,119 Building $126,720	$401,517 Land $21,357 Building $380,160
2020	$8,693.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms And 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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	ASHMORE serves 637 people · EPA ID IL0290050
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	34 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

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