5 Orchard Dr, Charleston, IL 61920 Property Records

Coles County property record for 5 Orchard Dr, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,308 sqft · built 1956
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$138,500 (May 2021)
Tax Bill	$4,284 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-11169-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-11169-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,308 sqft Base Area
1st Floor Area	2,308 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	128 ft deep x 94.6 ft wide
Garage Type	Detached
Garage Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5 ORCHARD DR
City	CHARLESTON
State	IL
Zip	61920-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD DRIVE WEST SUBD LOT 5 NW 1/4 SE 1/4 SEC 15 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	ORCHARD DRIVE WEST SUBD
Legal Lot Number	5
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1019
Census Tract	702

Owner

5 Orchard Dr is owned and occupied by an individual who bought it in May 2021.

Source: Coles County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	5 ORCHARD DR, CHARLESTON, IL 61920-3348
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2021 · Amount on File
Deed Sale	May 5, 2021 · Amount on File
Prior Sale	Jun 19, 2006 · Amount on File
Deed Document Number	2021794442
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	May 5, 2021
Property Address	5 ORCHARD DR, CHARLESTON, IL 61920-3348
Document Number	202100794442
Map Reference	MB 2 PG 44
Instrument Date	Apr 30, 2021
Instrument	202100794442
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ORCHARD DR, CHARLESTON, IL 61920-3348

Mortgage

Document Number	202100794443
Date	May 5, 2021
Instrument	202100794443

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	5 ORCHARD DR, CHARLESTON, IL 61920-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800775676
Date	Apr 17, 2018
Instrument	201800775676

Lender

Name	FIRST MID ILLINOIS BK & TR NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 12, 2038

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	5 ORCHARD DR, CHARLESTON, IL 61920-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000788549
Date	Jun 30, 2020
Instrument	202000788549

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5 Orchard Dr was $4,284.

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	$4,284.00	$58,838 Land $6,372 Building $52,466	$176,514 Land $19,116 Building $157,398
2023		$48,759 Land $5,280 Building $43,479	$146,277 Land $15,840 Building $130,437
2020	$2,543.00

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

FEMA maps place 5 Orchard 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

Wildfire risk around 5 Orchard 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.

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 338 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
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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