518 Cedar St, Centralia, IL 62801 Property Records

Marion County property record for 518 Cedar St, Centralia, IL 62801

Property Summary

Property Type	Single Family Home
Details	1,170 sqft · built 1932
Lot Size	0.147 acres (6,424 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Sep 2026)
Tax Bill	$1,235 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1400056395`

Property Details

APN / Parcel Number

Primary APN	`1400056395`

Interior

Building Area	1,170 sqft Living Area
Basement Area	878 sqft
Unfinished Basement	878 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	6,424 sqft (0.147 acres)

Location & Zoning

Street Address	518 CEDAR ST
City	CENTRALIA
State	IL
Zip	62801-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FORDS SUB. LOT 5 EXC S 2 FT BLK 99
Legal Subdivision	FORDS SUB
Legal Block	99
Legal Lot Number	5
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	3
Census Block	3046
Census Tract	952600

Owner

518 Cedar St is owned and occupied by an individual who bought it in September 2026.

Source: Marion County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	518 CEDAR ST, CENTRALIA, IL 62801-4020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 3, 2026	Quit Claim Deed, Transfer COMMUNITY TITLE, HIGHLAND COMMUNITY TITLE
Jun 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Deed Document Number	20263707
Prior Transfer Date	Aug 14, 2026
Prior Transfer Doc	0000003708
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Sep 3, 2026
Property Address	518 CEDAR ST, CENTRALIA, IL 62801-4020
Document Number	0000003707
Instrument Date	Aug 14, 2026
Instrument	20263707
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	COMMUNITY TITLE, HIGHLAND COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CEDAR ST, CENTRALIA, IL 62801-4020

Mortgage

Document Number	0000003709,
Date	Sep 3, 2026
Instrument	20263709

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.25%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000003710,
Date	Sep 3, 2026
Instrument	20263710

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARION IL
Recording Date	Sep 3, 2026
Property Address	518 CEDAR ST, CENTRALIA, IL 62801-4020
Document Number	0000003708
Instrument Date	Aug 14, 2026
Instrument	20263708
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	COMMUNITY TITLE, HIGHLAND COMMUNITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CEDAR ST, CENTRALIA, IL 62801-4020

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	518 CEDAR ST, CENTRALIA, IL 62801-4020
Transaction Type	Mortgage
Record Updated	Jul 6, 2022
Title Company	DOMA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R02787
Date	Jun 16, 2022
Instrument	2022R02787

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 15, 2032

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IL
Property Address	518 CEDAR ST, CENTRALIA, IL 62801-4020
Transaction Type	Mortgage
Record Updated	Jul 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R02895
Date	Jul 1, 2019
Instrument	2019R02895

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 24, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 518 Cedar St was $1,235 with a homeowner's exemption, up 7% from the year before.

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	$1,235.00 (+7.02%) Homeowner's exemption	$23,330 (+12%) Land $2,510 Building $20,820	$69,990 (+12%) Land $7,530 Building $62,460
2024	$1,154.00	$20,830 Land $2,240 Building $18,590	$62,490 Land $6,720 Building $55,770
2022	$1,082.00 Homeowner's exemption	$17,690 Land $1,900 Building $15,790	$53,070 Land $5,700 Building $47,370

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

Flood

FEMA maps place 518 Cedar St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 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

The area around 518 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.

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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
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: GigFire.

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