522 Charles Way, Columbia, IL 62236 Property Records

Monroe County property record for 522 Charles Way, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	5 bd · 2,935 sqft · built 2022
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on File
Last Sale	$87,400 (Jan 2020)
Tax Bill	$16,609 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-04-450-013-000`

Property Details

APN / Parcel Number

Primary APN	`04-04-450-013-000`

Interior

Bedrooms	5 Beds
Building Area	2,935 sqft Living Area
1st Floor Area	2,935 sqft
Basement Area	2,935 sqft
Unfinished Basement	2,935 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick/Stone
Lot Area	37,897 sqft (0.87 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	522 CHARLES WAY
City	COLUMBIA
State	IL
Zip	62236-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR2
Legal Description	LOT 13 BRELLINGER FOURTH ADDN
Legal Range	10W
Legal Township	01S
Legal Section	04
Legal Subdivision	BRELLINGER
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	34
Census Block Group	2
Census Block	2017
Census Tract	600104

Owner

522 Charles Way is owned and occupied by two individuals who bought it in January 2020.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	522 CHARLES WAY, COLUMBIA, IL 62236-2101
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 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Deed Document Number	2020405755
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	522 CHARLES WAY, COLUMBIA, IL 62236-2101
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417189
Date	May 14, 2021
Instrument	417189

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	522 CHARLES WAY, COLUMBIA, IL 62236-2101
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424628
Date	Jun 9, 2022
Instrument	424628

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 522 Charles Way was $16,609, up 5% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Columbia City
Unified School District	Columbia Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,609.00 (+5.01%) Homeowner's exemption	$291,800 Land $40,930 Building $250,870	$875,400 Land $122,790 Building $752,610
2024	$15,816.00
2022		$37,770 Land $37,770	$113,310 Land $113,310

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 522 Charles Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · 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 Policies	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · river or lake flooding

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 522 Charles Way 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 98% of the US · lower than 86% 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	COLUMBIA serves 11,129 people · EPA ID IL1330050
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	Under 1 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	2 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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