708 Main St, Lerna, IL 62440 Property Records

Coles County property record for 708 Main St, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,521 sqft · built 1877
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on File
Last Sale	$56,666 (Nov 2022)
Tax Bill	$2,102 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-0-02273-000`

Property Details

APN / Parcel Number

Primary APN	`11-0-02273-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,521 sqft Base Area
1st Floor Area	1,521 sqft

Exterior

Year Built	Built 1877
Effective Year Built	Effective 1877
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	708 MAIN ST
City	LERNA
State	IL
Zip	62440-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TODDS FIRST ADD TO THE VILLAGE OF LERNA BLK 1 LOTS 3 & 4 SEC 03 T11N R08E
Legal Range	08E
Legal Township	11N
Legal Section	03
Legal Subdivision	VILLAGE OF LERNA
Legal Block	1
Legal Lot Number	3-4
Jurisdiction	COLES IL
Township / Civil Division	PLEASANT GROVE
Census Block Group	5
Census Block	5091
Census Tract	200

Owner

Source: Coles County records · APN 11-0-02273-000

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	Individual Name on File
Mailing Address	708 MAIN ST, LERNA, IL 62440-1005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 04, 2022 · Amount on Record
Deed Sale	Nov 04, 2022 · Amount on Record
Deed Document Number	2022804043
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Nov 04, 2022
Property Address	708 MAIN ST, LERNA, IL 62440-1005
Document Number	202200804043
Instrument Date	Oct 27, 2022
Instrument	202200804043
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 MAIN ST, LERNA, IL 62440-1005

Mortgage

Document Number	202200804044
Date	Nov 04, 2022
Instrument	202200804044

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate	7.75%

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,102.00 (+322.09%)	$33,447 (+11.3%) Land $1,558 Building $31,889	$100,341 (+11.3%) Land $4,674 Building $95,667
2023		$30,051 Land $1,400 Building $28,651	$90,153 Land $4,200 Building $85,953
2020	$498.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Coles County (17029C), as of July 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170290002005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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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