918 Main St, Lerna, IL 62440 Property Records

Coles County property record for 918 Main St, Lerna, IL 62440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,319 sqft · built 1920
Lot Size	1.96 acres (85,378 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Sep 2025)
Tax Bill	$1,905 (2025)
Deeds & Mortgages	Sep 2025 Sale Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-0-00087-000`

Property Details

APN / Parcel Number

Primary APN	`11-0-00087-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,319 sqft Base Area
1st Floor Area	1,319 sqft
Basement Area	759 sqft
Unfinished Basement	759 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	85,378 sqft (1.96 acres)
Garage Type	Detached
Garage Area	650 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	918 MAIN ST
City	LERNA
State	IL
Zip	62440-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 SE1/4 SEC 03 T11N R08E
Legal Range	08E
Legal Township	11N
Legal Section	03
Jurisdiction	COLES IL
Township / Civil Division	PLEASANT GROVE
Census Block Group	5
Census Block	5080
Census Tract	200

Owner

Source: Coles County records, as of June 23, 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 Record
Mailing Address	918 MAIN ST, LERNA, IL 62440-1001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Warranty Deed, Transfer
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK OF MOULTRIE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Oct 16, 2012 · Amount on Record
Deed Document Number	2025818949
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Sep 10, 2025
Property Address	918 MAIN ST, LERNA, IL 62440-1001
Document Number	202500818949
Instrument Date	Sep 10, 2025
Instrument	202500818949
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Amount	Amount Recorded
Tax	$181.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	311 N CAMFIELD ST, SULLIVAN, IL 61951-1211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 MAIN ST, LERNA, IL 62440-1001

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	918 MAIN ST, LERNA, IL 62440-1001
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 MAIN ST, LERNA, IL 62440-1001

Mortgage

Document Number	202200802486
Date	Jul 28, 2022
Instrument	202200802486

Lender

Name	FIRST COMMUNITY BANK OF MOULTRIE CNTY
Type	Bank
Address	SULLIVAN, IL 61951

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,905.00 (+4.56%)	$37,710 (+6%) Land $8,725 Building $28,985	$113,130 (+6%) Land $26,175 Building $86,955
2024		$35,575 (+5%) Land $8,231 Building $27,344	$106,725 (+5%) Land $24,693 Building $82,032
2023		$33,881 Land $7,839 Building $26,042	$101,643 Land $23,517 Building $78,126
2020	$1,822.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
Fidium Fiber DSL	100 / 10

May also be available: AT&T, Nextlink, Verizon, Watch TV.

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