950 4th St, Charleston, IL 61920 Property Records

Coles County property record for 950 4th St, Charleston, IL 61920

Property Summary

Property Type	Commercial Vacant Land
Details	12,918 sqft · built 2008
Lot Size	1.21 acres (52,708 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Jan 2007)
Tax Bill	$98,953 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Jun 2012 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-2-13130-000`

Property Details

APN / Parcel Number

Primary APN	`02-2-13130-000`

Interior

Building Area	12,918 sqft Building Perimeter

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	52,708 sqft (1.21 acres)
Lot Dimensions	150 ft deep x 48 ft wide

Location & Zoning

Street Address	950 4TH ST
City	CHARLESTON
State	IL
Zip	61920-2710
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	ISAAC VAILS ADDITION PT OF LOTS 1, 2 & 3 E 1/2 NE 1/4 SEC 15 T12N R09E MELROSE ON 4TH APT BLDG - 30 UNITS TOTAL
Legal Range	09E
Legal Township	12N
Legal Section	15
Legal Subdivision	ISAAC VAILS ADDITION
Legal Lot Number	1-3
Legal Unit	S
Jurisdiction	COLES IL
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2006
Census Tract	702

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	Company Name on Record
Mailing Address	4909 LAKEWOOD BLVD, 307, LAKEWOOD, CA 90712-2436
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Jun 12, 2012	Deed of Trust, Mortgage · Commercial Mortgage FIRST MID ILLINOIS BANK & TRUST NA
Dec 29, 2009	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Sep 18, 2008	Deed of Trust, Mortgage · Line of Credit FIRST BANK OF SAVOY
Apr 18, 2022	Special Warranty Deed, Transfer
Nov 27, 2007	Warranty Deed, Transfer · Line of Credit FIRST BANK OF SAVOY
Jan 11, 2007	Deed, Transfer · Commercial Mortgage MAIN STREET BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2007 · Amount on Record
Deed Sale	Jan 11, 2007 · Amount on Record
Deed Document Number	2007696080
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000786631
Date	Mar 9, 2020
Instrument	202000786631

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	CHAMPAIGN, IL 61821

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 4, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012737676
Date	Jun 12, 2012
Instrument	2012737676

Lender

Name	FIRST MID ILLINOIS BANK & TRUST NA
Type	Bank
Address	CHARLESTON, IL 61920

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 12, 2022

Interest

Rate Type	Adjustable Rate

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009719563
Date	Dec 29, 2009
Instrument	2009719563

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	CHAMPAIGN, IL 61821

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLES IL
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008710030
Date	Sep 18, 2008
Instrument	2008710030

Lender

Name	FIRST BANK OF SAVOY
Address	SAVOY, IL 61874

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLES IL
Recording Date	Apr 18, 2022
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Document Number	202200800707
Instrument Date	Apr 12, 2022
Instrument	202200800707
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Tax	$3,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4909 LAKEWOOD BLVD STE 307, 307, LAKEWOOD, CA 90712-2436

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLES IL
Recording Date	Nov 27, 2007
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Document Number	0000703689
Instrument Date	Nov 27, 2007
Instrument	703689
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 4TH ST, CHARLESTON, IL 61920-2710

Mortgage

Document Number	0000703690
Date	Nov 27, 2007
Instrument	703690

Lender

Name	FIRST BANK OF SAVOY
Address	SAVOY, IL 61874

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	COLES IL
Recording Date	Jan 11, 2007
Property Address	950 4TH ST, CHARLESTON, IL 61920-2850
Document Number	0000696080
Instrument Date	Jan 10, 2007
Instrument	696080
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 COUNTY ROAD 2550 N, MAHOMET, IL 61853-9716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1036 WOODBERRY LN, CHARLESTON, IL 61920-3886
Investor	Possibly a Property Investor

Mortgage

Document Number	0000696081
Date	Jan 11, 2007
Instrument	696081

Lender

Name	MAIN STREET BANK & TRUST
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2017

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	$98,953.00 (+149.06%)	$1,358,955 (+20.67%) Land $22,468 Building $1,336,487	$4,076,865 (+20.67%) Land $67,404 Building $4,009,461
2023		$1,126,183 Land $18,619 Building $1,107,564	$3,378,549 Land $55,857 Building $3,322,692
2020	$39,731.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Zone X minimal risk
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 94% of the US · lower than 65% 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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