820 3rd St, Charleston, IL 61920 Property Records

Coles County property record for 820 3rd St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,052 sqft · built 1961
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2019)
Tax Bill	$5,067 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2-06741-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-06741-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,052 sqft Base Area
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	153 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	820 3RD ST
City	CHARLESTON
State	IL
Zip	61920-2658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS HEIGHTS PT OF LOT 11 NE 1/4 SEC 15 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	DAVIS HEIGHTS
Legal Lot Number	11
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2001
Census Tract	702

Owner

Source: Coles County records, as of June 23, 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 Record
Mailing Address	820 3RD ST, CHARLESTON, IL 61920-2658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Jun 8, 2017	Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Jun 8, 2017
Deed Document Number	2019783963
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 20, 2019
Property Address	820 3RD ST, CHARLESTON, IL 61920-2658
Document Number	201900783963
Instrument Date	Sep 20, 2019
Instrument	201900783963
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	820 3RD ST, CHARLESTON, IL 61920-2658

Mortgage

Document Number	201900783964
Date	Sep 20, 2019
Instrument	201900783964

Lender

Name	FIRST MID ILLINOIS BK & TR NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Jun 8, 2017
Property Address	820 3RD ST, CHARLESTON, IL 61920-2658
Document Number	201700770571
Instrument Date	Jun 8, 2017
Instrument	201700770571
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 3RD ST, CHARLESTON, IL 61920-2658

Mortgage

Document Number	201700770572
Date	Jun 8, 2017
Instrument	201700770572

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Dec 5, 2030

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$5,067.00 (+13.89%)	$75,592 (+20.67%) Land $7,941 Building $67,651	$226,776 (+20.67%) Land $23,823 Building $202,953
2023		$62,644 Land $6,581 Building $56,063	$187,932 Land $19,743 Building $168,189
2020	$4,449.00

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

Source: FEMA National Flood Hazard Layer, effective July 18, 2011

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures