414 Cedar Dr, Charleston, IL 61920 Property Records

Coles County property record for 414 Cedar Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1957
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Oct 2019)
Tax Bill	$6,391 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-1-05617-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-05617-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,081 sqft Base Area
1st Floor Area	2,081 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	414 CEDAR DR
City	CHARLESTON
State	IL
Zip	61920-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR DR LOT 8 NW 1/4 SEC 23 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	23
Legal Subdivision	CEDAR DRIVE
Legal Lot Number	8
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3009
Census Tract	800

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	414 CEDAR DR, CHARLESTON, IL 61920-4003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Warranty Deed, Transfer · VA Mortgage LOAN CABIN INC
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA STATE BANK
Oct 4, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS & LOAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	Apr 14, 2015 · Amount on Record
Deed Document Number	2019784183
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	May 4, 2022
Property Address	414 CEDAR DR, CHARLESTON, IL 61920-4003
Document Number	202200801031
Map Reference	MB 2 PG 55
Instrument Date	Apr 29, 2022
Instrument	202200801031
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CEDAR DR, CHARLESTON, IL 61920-4003

Mortgage

Document Number	202200801032
Date	May 4, 2022
Instrument	202200801032

Lender

Name	LOAN CABIN INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.25%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	414 CEDAR DR, CHARLESTON, IL 61920-4003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000790307
Date	Sep 28, 2020
Instrument	202000790307

Lender

Name	COLUMBIA STATE BANK
Type	Bank
Address	CHARLESTON, IL 61920

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Oct 4, 2019
Property Address	414 CEDAR DR, CHARLESTON, IL 61920-4003
Document Number	201900784183
Map Reference	PB 2 & 4 PG 55 & 20
Instrument Date	Oct 4, 2019
Instrument	201900784183
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
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
Address	2228 8TH STREET CIR, CHARLESTON, IL 61920-4001

Mortgage

Document Number	201900784184
Date	Oct 4, 2019
Instrument	201900784184

Lender

Name	FIRST FEDERAL SAVINGS & LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

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	$6,391.00 (+68.9%)	$93,782 (+20.67%) Land $7,982 Building $85,800	$281,346 (+20.67%) Land $23,946 Building $257,400
2023		$77,718 Land $6,615 Building $71,103	$233,154 Land $19,845 Building $213,309
2020	$3,784.00

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

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

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.

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 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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