820 4th St, Charleston, IL 61920 Property Records

Coles County property record for 820 4th St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,740 sqft · built 1916
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Aug 2026)
Tax Bill	$1,821 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2-06731-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-06731-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,740 sqft Base Area
1st Floor Area	1,740 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	207 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	624 sqft

Location & Zoning

Street Address	820 4TH ST
City	CHARLESTON
State	IL
Zip	61920-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS HEIGHTS LOT 4 EX: 5 ACRES DEEDED TO CITY #704248 NE 1/4 SEC 15 T12N R09E
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	DAVIS HEIGHTS
Legal Lot Number	4
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2000
Census Tract	702

Owner

820 4th St is owned and occupied by two individuals who bought it in August 2026.

Source: Coles County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 4TH ST, CHARLESTON, IL 61920-2708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 17, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Jun 8, 2020 · Amount on File
Deed Document Number	2026824154
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Aug 17, 2026
Property Address	820 4TH ST, CHARLESTON, IL 61920-2708
Document Number	0000824154
Instrument Date	Aug 4, 2026
Instrument	2026824154
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,482.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	820 4TH ST, CHARLESTON, IL 61920-2708

Mortgage

Document Number	0000824155,
Date	Aug 17, 2026
Instrument	2026824155

Lender

Name	MORTGAGE MORTGAGE

Agreement

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

Interest

Rate	6.5%
Max Rate	-1%

Mortgage

Document Number	0000824156,
Date	Aug 17, 2026
Instrument	2026824156

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 8, 2020
Property Address	820 4TH ST, CHARLESTON, IL 61920-2708
Document Number	202000788078
Map Reference	MB 1 PG 130
Instrument Date	Jun 5, 2020
Instrument	202000788078
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 4TH ST, CHARLESTON, IL 61920-2708

Mortgage

Document Number	202000788079
Date	Jun 8, 2020
Instrument	202000788079

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 820 4th St was $1,821 with exemptions applied.

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	$1,821.00	$36,011 Land $5,851 Building $30,160	$108,033 Land $17,553 Building $90,480
2023		$29,842 Land $4,848 Building $24,994	$89,526 Land $14,544 Building $74,982
2020	$1,528.00

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

FEMA maps place 820 4th 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 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

Wildfire risk around 820 4th 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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