504 W Charles St, Mc Lean, IL 61754 Property Records

McLean County property record for 504 W Charles St, Mc Lean, IL 61754

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 925 sqft · built 1969
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$185,500 (Aug 2022)
Tax Bill	$3,307 (2024)
Deeds & Mortgages	Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-35-403-014`

Property Details

APN / Parcel Number

Primary APN	`26-35-403-014`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	925 sqft Living Area
1st Floor Area	925 sqft
Basement Area	925 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	504 W CHARLES ST
City	MC LEAN
State	IL
Zip	61754-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPAULDINGS 2ND SUB PT OUTLOT 2 MCLEAN LOT 7
Legal Range	01W
Legal Township	22N
Legal Section	35
Legal Subdivision	SPAULDINGS 2ND SUB
Legal Lot Number	7
Jurisdiction	MCLEAN IL
Township / Civil Division	MOUNT HOPE
Census Block Group	3
Census Block	3133
Census Tract	6000

Owner

504 W Charles St is owned and occupied by an individual who bought it in August 2022.

Source: McLean County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	504 W CHARLES ST, MC LEAN, IL 61754-9348
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
	Deed of Trust, Mortgage ALLIANCE LAND TITLE
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 26, 2022	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Jan 26, 2022 · Amount on File
Deed Document Number	202213521
Prior Transfer Date	Jul 18, 2022
Prior Transfer Doc	0000013521
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	504 W CHARLES ST, MC LEAN, IL 61754-9348
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 1, 2022
Property Address	504 W CHARLES ST, MC LEAN, IL 61754-9348
Document Number	202200013521
Instrument Date	Jul 18, 2022
Instrument	2022-00013521
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 W CHARLES ST, MC LEAN, IL 61754-9348

Mortgage

Document Number	202200013522
Date	Aug 1, 2022
Instrument	2022-00013522

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.87%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 26, 2022
Property Address	504 W CHARLES ST, MC LEAN, IL 61754-9348
Document Number	202200001678
Instrument Date	Jan 13, 2022
Instrument	2022-00001678
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Tax	$45.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S BAYBERRY CT, BLOOMINGTON, IL 61704-4681

Mortgage

Document Number	202200001679
Date	Jan 26, 2022
Instrument	2022-00001679

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	9 Months
Due	Oct 13, 2022

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Mount Hope Township
Municipality	McLean Village
Unified School District	Olympia Community Unit School District 16 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$45,981 Land $5,091 Building $40,890	$137,943 Land $15,273 Building $122,670
2024	$3,307.00 (+5.76%)
2023	$3,127.00 (-7.65%)	$38,073 (+10.74%) Land $4,215 Building $33,858	$114,219 (+10.74%) Land $12,645 Building $101,574
2022	$3,386.00	$34,380 Land $3,806 Building $30,574	$103,140 Land $11,418 Building $91,722

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 504 W Charles St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · 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	19 (1979–1984)
Claims Outside the SFHA	19 of 19
Most Recent Claim	Apr 1984 · tidal / storm surge

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

Wildfire risk around 504 W Charles St is low, with less than 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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	MCLEAN serves 791 people · EPA ID IL1130850
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023–2025) 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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