432 S Cherry St, Centralia, IL 62801 Property Records

Marion County property record for 432 S Cherry St, Centralia, IL 62801

Property Summary

Property Type	Single Family Home
Details	1,458 sqft · built 1919
Lot Size	0.362 acres (15,791 sqft)
Owner	Individual Name on Record
Last Sale	$79,500 (Jan 2022)
Tax Bill	$1,458 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1400054145`

Property Details

APN / Parcel Number

Primary APN	`1400054145`

Interior

Building Area	1,458 sqft Living Area
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Lot Area	15,791 sqft (0.362 acres)
Garage Area	576 sqft

Location & Zoning

Street Address	432 S CHERRY ST
City	CENTRALIA
State	IL
Zip	62801-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O.T. 20FT OFF S SIDE LOT 4 & ALL LOT 5 BLK 56
Legal Subdivision	CENTRALIA
Legal Block	56
Legal Lot Number	4,5
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	1
Census Block	1025
Census Tract	952500

Owner

Source: Marion County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	432 S CHERRY ST, CENTRALIA, IL 62801-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Apr 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Deed Document Number	2022232
Prior Transfer Date	Mar 8, 2021
Prior Transfer Doc	2021R01416
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Jan 19, 2022
Property Address	432 S CHERRY ST, CENTRALIA, IL 62801-3821
Document Number	2022R00232
Instrument Date	Dec 31, 2021
Instrument	2022R00232
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1987 CHARLESTON RD, 1987, SALEM, IL 62881-4089

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 S CHERRY ST, CENTRALIA, IL 62801-3821

Mortgage

Document Number	2022R00233
Date	Jan 19, 2022
Instrument	2022R00233

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.87%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION IL
Recording Date	Apr 6, 2021
Property Address	432 S CHERRY ST, CENTRALIA, IL 62801-3821
Document Number	2021R01416
Instrument Date	Mar 8, 2021
Instrument	2021R01416
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 S CHERRY ST, CENTRALIA, IL 62801-3821

Mortgage

Document Number	2021R01417
Date	Apr 6, 2021
Instrument	2021R01417

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.62%

Tax Assessment & Valuation

Source: Marion County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Marion County
County Subdivision	Centralia Township
Municipality	Centralia City
Elementary School District	Centralia School District 135 (PK - 08)
Secondary School District	Centralia High School District 200 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,458.00 (+6.19%) Homeowner's exemption	$26,470 (+11.97%) Land $3,100 Building $23,370	$79,410 (+11.97%) Land $9,300 Building $70,110
2024	$1,373.00 (+5.37%)	$23,640 (+17.73%) Land $2,770 Building $20,870	$70,920 (+17.73%) Land $8,310 Building $62,610
2022	$1,303.00 Homeowner's exemption	$20,080 Land $2,350 Building $17,730	$60,240 Land $7,050 Building $53,190

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

Source: FEMA National Flood Hazard Layer, effective November 16, 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 Claims	2 (2011)
Most Recent Claim	Apr 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 2 claims

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	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	CENTRALIA serves 12,182 people · EPA ID IL1214220
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave.

Nearby Properties on S Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures