511 College St, Lerna, IL 62440 Property Records

Coles County property record for 511 College St, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,352 sqft · built 1877
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$143,500 (Feb 2026)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	May 2013 Mortgage Sep 2008 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-0-02093-000`

Property Details

APN / Parcel Number

Primary APN	`11-0-02093-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,352 sqft Base Area
1st Floor Area	2,352 sqft

Exterior

Year Built	Built 1877
Effective Year Built	Effective 1877
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft

Location & Zoning

Street Address	511 COLLEGE ST
City	LERNA
State	IL
Zip	62440-1151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JEFFRIES 2ND ADD TO THE VILLAGE OF LERNA BLK 3 LOT 5 SEC 10 T11N R08E 2AL05B03
Legal Range	08E
Legal Township	11N
Legal Section	10
Legal Subdivision	JEFFRIES 2ND ADD
Legal Block	3
Legal Lot Number	5
Jurisdiction	COLES IL
Township / Civil Division	PLEASANT GROVE
Census Block Group	5
Census Block	5095
Census Tract	200

Owner

Source: Coles County records · APN 11-0-02093-000

Assessment roll updated June 23, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	511 COLLEGE ST, LERNA, IL 62440-1151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 15, 2013	Deed of Trust, Mortgage FIRST MID ILLINOIS BANK & TRUST NA
Sep 02, 2008	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID ILLINOIS BANK & TRUST NA
Feb 13, 2026	Warranty Deed, Transfer · USDA Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Deed Document Number	2026821248
Record Updated	Sep 20, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	511 COLLEGE ST, LERNA, IL 62440-1151
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013744893
Date	May 15, 2013
Instrument	2013744893

Lender

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

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 15, 2023

Interest

Rate	6.37%

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	511 COLLEGE ST, LERNA, IL 62440-1151
Transaction Type	Mortgage
Record Updated	Mar 06, 2026
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008709711
Date	Sep 02, 2008
Instrument	2008709711

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 02, 2028

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Feb 13, 2026
Property Address	511 COLLEGE ST, LERNA, IL 62440-1151
Document Number	202600821248
Instrument Date	Feb 11, 2026
Instrument	202600821248
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	CRITES TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$143.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19087 WESTFIELD RD, CHARLESTON, IL 61920-6704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 COLLEGE ST, LERNA, IL 62440-1151

Mortgage

Document Number	202600821249
Date	Feb 13, 2026
Instrument	202600821249

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Coles County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Coles County
County Subdivision	Pleasant Grove Township
Municipality	Lerna Village
Unified School District	Charleston Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,156.00 (+58.57%)	$18,392 (+6%) Land $668 Building $17,724	$55,176 (+6%) Land $2,004 Building $53,172
2024		$17,351 (+5%) Land $630 Building $16,721	$52,053 (+5%) Land $1,890 Building $50,163
2023		$16,525 Land $600 Building $15,925	$49,575 Land $1,800 Building $47,775
2020	$729.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 18, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1999–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20
Consolidated Communications DSL	100 / 10

May also be available: AMG Technology Investment Group, AT&T, Benton Ridge Telephone Company, Verizon.

Based on FCC filings for 72 locations within half a mile of this property.

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