Coles County property record for 411 Cedar Dr, Charleston, IL 61920
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,326 sqft · built 1957 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,500 (Dec 2009) |
| Tax Bill | $1,632 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Dec 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-1-05616-000 |
| Primary APN | 02-1-05616-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,326 sqft Base Area |
| 1st Floor Area | 1,326 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 100 ft deep x 150 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | Central |
|---|
| Street Address | 411 CEDAR DR |
|---|---|
| City | CHARLESTON |
| State | IL |
| Zip | 61920-4067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR DR LOT 7 NW 1/4 SEC 23 T12N R09E |
| Legal Range | 09E |
| Legal Township | 12N |
| Legal Section | 23 |
| Legal Subdivision | CEDAR DRIVE |
| Legal Lot Number | 7 |
| Jurisdiction | COLES IL |
| Township / Civil Division | CHARLESTON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 800 |
411 Cedar Dr is owned and occupied by an individual who bought it in December 2009.
Source: Coles County records, as of September 30, 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 File |
|---|---|
| Mailing Address | 411 CEDAR DR, CHARLESTON, IL 61920-4067 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Dec 8, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2009 · Amount on File |
| Deed Sale | Dec 4, 2009 · Amount on File |
| Deed Document Number | 2009719149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Recording Date | Sep 18, 2026 |
| Property Address | 411 CEDAR DR, CHARLESTON, IL 61920-4067 |
| Document Number | 0000824652 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 2026824652 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 411 CEDAR DR, CHARLESTON, IL 61920-4067 |
| Document Number | 0000824652, |
|---|---|
| Date | Sep 18, 2026 |
| Instrument | 2026824652 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.35% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 411 CEDAR DR, CHARLESTON, IL 61920-4067 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 411 CEDAR DR, CHARLESTON, IL 61920-4067 |
| Document Number | 202300809833 |
|---|---|
| Date | Dec 8, 2023 |
| Instrument | 202300809833 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 24, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 411 Cedar Dr was $1,632 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 | $1,632.00 | $33,424 Land $7,863 Building $25,561 | $100,272 Land $23,589 Building $76,683 |
| 2023 | $27,699 Land $6,516 Building $21,183 | $83,097 Land $19,548 Building $63,549 | |
| 2020 | $1,895.00 |
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 411 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 411 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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