44 Mitchell Ave, Charleston, IL 61920 Property Records

Coles County property record for 44 Mitchell Ave, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,176 sqft · built 1956
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (Apr 2017)
Tax Bill	$1,196 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-10278-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-10278-000`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,176 sqft Base Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	128 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	44 MITCHELL AVE
City	CHARLESTON
State	IL
Zip	61920-2957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIDWEST PARK SUBD LOT 44 NE 1/4 SEC 14 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	14
Legal Subdivision	MIDWEST PARK SUBD
Legal Lot Number	44
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1009
Census Tract	701

Owner

Source: Coles County records, as of June 23, 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	44 MITCHELL AVE, CHARLESTON, IL 61920-2957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NEIGHBORHOOD BANK
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK NA
Apr 5, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDWEST AMERICA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2017 · Amount on Record
Deed Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	2017769553
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	44 MITCHELL AVE, CHARLESTON, IL 61920-2957
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500820079
Date	Nov 18, 2025
Instrument	202500820079

Lender

Name	FIRST NEIGHBORHOOD BANK
Type	Bank
Address	1415 18TH ST, CHARLESTON, IL 61920

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	3-Year CMT
Margin	3
Max Rate	12.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	44 MITCHELL AVE, CHARLESTON, IL 61920-2957
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100797201
Date	Sep 14, 2021
Instrument	202100797201

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank
Address	GREENUP, IL 62428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Apr 5, 2017
Property Address	44 MITCHELL AVE, CHARLESTON, IL 61920-2957
Document Number	201700769553
Instrument Date	Mar 31, 2017
Instrument	201700769553
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	COLES COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MITCHELL AVE, CHARLESTON, IL 61920-2957

Mortgage

Document Number	201700769554
Date	Apr 5, 2017
Instrument	201700769554

Lender

Name	MIDWEST AMERICA FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$1,196.00 (-32.7%)	$33,659 (+20.67%) Land $5,032 Building $28,627	$100,977 (+20.67%) Land $15,096 Building $85,881
2023		$27,893 Land $4,170 Building $23,723	$83,679 Land $12,510 Building $71,169
2020	$1,777.00

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

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 246 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

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