521 S Cherry St, Centralia, IL 62801 Property Records

Marion County property record for 521 S Cherry St, Centralia, IL 62801

Property Summary

Property Type	Single Family Home
Details	1,400 sqft · built 1923
Lot Size	0.295 acres (12,870 sqft)
Owner	2 Individual Names on File
Last Sale	$91,500 (Sep 2026)
Tax Bill	$1,570 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`1400054235`

Property Details

APN / Parcel Number

Primary APN	`1400054235`

Interior

Building Area	1,400 sqft Living Area
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Lot Area	12,870 sqft (0.295 acres)
Garage Area	576 sqft

Location & Zoning

Street Address	521 S CHERRY ST
City	CENTRALIA
State	IL
Zip	62801-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O T LOT 8 BLK 58
Legal Subdivision	CENTRALIA
Legal Block	58
Legal Lot Number	8
Jurisdiction	MARION IL
Township / Civil Division	CENTRALIA
Census Block Group	1
Census Block	1027
Census Tract	952500

Owner

521 S Cherry St is owned and occupied by two individuals who bought it in September 2026.

Source: Marion County records, as of September 22, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · FHA Mortgage US BANK
Mar 3, 2022	Warranty Deed, Transfer · Conventional Mortgage PARTNERS SAVINGS BANK
Jul 3, 2017	Deed, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE
Jul 3, 2017	Intrafamily Transfer, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE
Jul 3, 2017	Quit Claim Deed, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE
Jul 3, 2017	Intrafamily Transfer, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE
Jul 3, 2017	Quit Claim Deed, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Mar 3, 2022 · Amount on File
Deed Document Number	20263817
Prior Transfer Date	May 22, 2017
Prior Transfer Doc	2017R03537
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Sep 11, 2026
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	0000003817
Instrument Date	Sep 8, 2026
Instrument	20263817
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	COMMUNITY TITLE, HIGHLAND COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,862.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112

Mortgage

Document Number	0000003818,
Date	Sep 11, 2026
Instrument	20263818

Lender

Name	US BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate	6.5%
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IL
Recording Date	Mar 3, 2022
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2022R01019
Instrument Date	Feb 22, 2022
Instrument	2022R01019
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	OMA TITLE, DOMA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	306 N MORRISON ST, CENTRALIA, IL 62801-2170

Mortgage

Document Number	2022R01020
Date	Mar 3, 2022
Instrument	2022R01020

Lender

Name	PARTNERS SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MARION IL
Recording Date	Jul 3, 2017
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2017R03539
Instrument Date	Jun 16, 2017
Instrument	2017R03539
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$22.50
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	1829 POSSUM LN, CENTRALIA, IL 62801-6781

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION IL
Recording Date	Jul 3, 2017
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2017R03536
Instrument Date	Jun 1, 2017
Instrument	2017R03536
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARION IL
Recording Date	Jul 3, 2017
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2017R03538
Instrument Date	May 31, 2017
Instrument	2017R03538
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$1.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 767, EFFINGHAM, IL 62401-0767

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION IL
Recording Date	Jul 3, 2017
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2017R03535
Instrument Date	May 31, 2017
Instrument	2017R03535
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARION IL
Recording Date	Jul 3, 2017
Property Address	521 S CHERRY ST, CENTRALIA, IL 62801-4112
Document Number	2017R03537
Instrument Date	May 22, 2017
Instrument	2017R03537
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$1.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 767, EFFINGHAM, IL 62401-0767

Tax Assessment & Valuation

The 2025 property tax bill for 521 S Cherry St was $1,570, up 2.5% 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	$1,570.00 (+2.48%)	$22,040 (+11.99%) Land $2,510 Building $19,530	$66,120 (+11.99%) Land $7,530 Building $58,590
2024	$1,532.00	$19,680 Land $2,240 Building $17,440	$59,040 Land $6,720 Building $52,320
2022	$1,548.00	$16,720 Land $1,900 Building $14,820	$50,160 Land $5,700 Building $44,460

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 521 S Cherry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2011)
Most Recent Claim	Apr 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 2 claims

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

The area around 521 S Cherry 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: ClearWave.

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