840 3rd St, Charleston, IL 61920 Property Records

Coles County property record for 840 3rd St, Charleston, IL 61920

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,552 sqft · built 1961
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Dec 2022)
Tax Bill	$3,914 (2022)
Deeds & Mortgages	May 2026 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-06740-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-06740-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,552 sqft Base Area
1st Floor Area	1,552 sqft
Basement Area	450 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	153 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	840 3RD ST
City	CHARLESTON
State	IL
Zip	61920-2658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS HEIGHTS N 150 FT OF THE S 310 FT 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

840 3rd St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	840 3RD ST, CHARLESTON, IL 61920-2658
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 1, 2026	Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC
Dec 29, 2022	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BANK & TRUST NA
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on File
Deed Sale	Dec 29, 2022 · Amount on File
Prior Sale	Jun 22, 2018 · Amount on File
Deed Document Number	2022804808
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Recording Date	May 1, 2026
Property Address	840 3RD ST, CHARLESTON, IL 61920-2658
Document Number	202600822424
Instrument Date	Apr 27, 2026
Instrument	2026822424
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 3RD ST, CHARLESTON, IL 61920-2658

Mortgage

Document Number	0000822424,
Date	May 1, 2026
Instrument	2026822424

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Dec 29, 2022
Property Address	840 3RD ST, CHARLESTON, IL 61920-2658
Document Number	202200804808
Instrument Date	Dec 27, 2022
Instrument	202200804808
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 3RD ST, CHARLESTON, IL 61920-2658

Mortgage

Document Number	202200804809
Date	Dec 29, 2022
Instrument	202200804809

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	840 3RD ST, CHARLESTON, IL 61920-2658
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000789103
Date	Jul 27, 2020
Instrument	202000789103

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Jun 22, 2018
Property Address	840 3RD ST, CHARLESTON, IL 61920-2658
Document Number	201800776705
Instrument Date	Jun 22, 2018
Instrument	201800776705
Transaction Type	Transfer
Record Updated	Jul 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1196 PERSIMMON RD, 1196, CHARLESTON, IL 61920-7623

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	840 3RD ST, CHARLESTON, IL 61920-2658

Mortgage

Document Number	201800776706
Date	Jun 22, 2018
Instrument	201800776706

Lender

Name	FIRST MID ILLINOIS BK & TR NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

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	Disabled Person's exemption Veteran's exemption	$63,689 (+10.2%) Land $10,758 Building $52,931	$191,067 (+10.2%) Land $32,274 Building $158,793
2024		$57,794 (+9.5%) Land $9,762 Building $48,032	$173,382 (+9.5%) Land $29,286 Building $144,096
2023		$52,780 Land $8,915 Building $43,865	$158,340 Land $26,745 Building $131,595
2022	$3,914.00
2020	$2,626.00

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 840 3rd 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 840 3rd 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	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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