775 7th St, Charleston, IL 61920 Property Records

Coles County property record for 775 7th St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,134 sqft · built 1904
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$159,000 (Sep 2024)
Tax Bill	$2,041 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2024 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-1-03098-000`

Property Details

APN / Parcel Number

Primary APN	`02-1-03098-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,134 sqft Base Area
1st Floor Area	2,134 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	768 sqft

Location & Zoning

Street Address	775 7TH ST
City	CHARLESTON
State	IL
Zip	61920-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF CHARLESTON N 60 FT OF S 120 FT OFF W1/2 LOT 125 SW 1/4 SEC 11 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	11
Legal Subdivision	ORIGINAL TOWN OF CHARLESTON
Legal Lot Number	125
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	6
Census Block	6044
Census Tract	500

Owner

775 7th St is owned by a company that bought it in September 2024.

Source: Coles County records, as of June 23, 2026

Owner of Record	Company Name on File
Mailing Address	1602 DAMRON CT, EFFINGHAM, IL 62401-4687
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jun 7, 2023	Deed of Trust, Mortgage · Line of Credit FIRST MID BANK & TRUST NA
Sep 11, 2024	Warranty Deed, Transfer · Line of Credit BANK OF HILLSBORO NA
Dec 1, 2006	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2024 · Amount on File
Deed Sale	Sep 11, 2024 · Amount on File
Prior Sale	Dec 1, 2006 · Amount on File
Deed Document Number	2024813711
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	775 7TH ST, CHARLESTON, IL 61920-2102
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	775 7TH ST, CHARLESTON, IL 61920-2102

Mortgage

Document Number	202300807005
Date	Jun 7, 2023
Instrument	202300807005

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 20, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 11, 2024
Property Address	775 7TH ST, CHARLESTON, IL 61920-2102
Document Number	202400813711
Instrument Date	Sep 9, 2024
Instrument	202400813711
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1830 N COUNTY ROAD 2000E, CHARLESTON, IL 61920-6728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1602 DAMRON CT, EFFINGHAM, IL 62401-4687

Mortgage

Document Number	202400813712
Date	Sep 11, 2024
Instrument	202400813712

Lender

Name	BANK OF HILLSBORO NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 9, 2029

December 2006: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	COLES IL
Recording Date	Dec 1, 2006
Property Address	775 7TH ST, CHARLESTON, IL 61920-2102
Document Number	0000695270
Instrument Date	Dec 1, 2006
Instrument	695270
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Tax	$122.25
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1637 REYNOLDS DR, CHARLESTON, IL 61920-3147

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	775 7TH ST, CHARLESTON, IL 61920-2102

Tax Assessment & Valuation

The 2025 property tax bill for 775 7th St was $2,041.

Source: Coles County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,041.00	$28,042 Land $7,089 Building $20,953	$84,126 Land $21,267 Building $62,859
2023		$19,502 Land $2,138 Building $17,364	$58,506 Land $6,414 Building $52,092
2020	$1,174.00

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 775 7th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 18, 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1996–2018)
Most Recent Claim	Apr 2018 · 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 775 7th St 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 99.1% of the US · lower than 94% 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	CHARLESTON serves 17,286 people · EPA ID IL0290100
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

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