1003 E Water St, Urbana, IL 61802 Property Records

Champaign County property record for 1003 E Water St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 696 sqft · built 1904
Lot Size	0.8 acres (3,471 sqft)
Owner	Individual Name on File
Last Sale	$46,000 (Nov 2021)
Tax Bill	$1,714 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`91-21-09-379-002`

Property Details

APN / Parcel Number

Primary APN	`91-21-09-379-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	696 sqft Building Perimeter
1st Floor Area	696 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Stucco
Foundation Type	No Foundation
Roof Material	Other
Lot Area	3,471 sqft (0.8 acres)
Lot Dimensions	89 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1003 E WATER ST
City	URBANA
State	IL
Zip	61802-2843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 18 SUB OF PT SE 1/4 SW 1/4 SEC. 9-19-9, AND LOTS 2-5 OF SAME GROUND
Legal Range	09E
Legal Township	19N
Legal Section	09
Legal Subdivision	SUB
Legal Lot Number	18
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1005
Census Tract	5500

Owner

1003 E Water St is owned and occupied by an individual who bought it in November 2021.

Source: Champaign County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 656, CHAMPAIGN, IL 61824-0656
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
Jul 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage IROQUOIS FSLA
Mar 21, 2022	Contract Sale, Transfer ATTORNEY ONLY, ATTORNEY
Oct 22, 2021	Deed of Trust, Mortgage · Line of Credit DAN MOISSON
Nov 16, 2021	Administrator's Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Deed Document Number	202127141
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1003 E WATER ST, URBANA, IL 61802-2843
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012950
Date	Jul 15, 2022
Instrument	2022R12950

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	CHAMPAIGN, IL 61822

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 21, 2022
Property Address	1003 E WATER ST, URBANA, IL 61802-2843
Document Number	0000005115
Instrument Date	Mar 17, 2022
Instrument	2022R05115
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1003 E WATER ST, URBANA, IL 61802-2843
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025291
Date	Oct 22, 2021
Instrument	2021R25291

Lender

Name	DAN MOISSON
Type	Private Party
Address	1413 CROSS CREEK RD, MAHOMET, IL 61853

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 21, 2022

November 2021: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 16, 2021
Property Address	1003 E WATER ST, URBANA, IL 61802-2843
Document Number	0000027141
Instrument Date	Oct 5, 2021
Instrument	2021R27141
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$46.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 656, CHAMPAIGN, IL 61824-0656

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Cunningham Township
Municipality	Urbana City
Unified School District	Urbana School District 116 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$23,930 Land $3,130 Building $20,800	$71,790 Land $9,390 Building $62,400
2024	$1,714.00
2022	$1,408.00 Homeowner's exemption	$19,010 Land $2,490 Building $16,520	$57,030 Land $7,470 Building $49,560

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 1003 E Water St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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 Policies	1 in force

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

The area around 1003 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	IL AMERICAN-CHAMPAIGN private · serves 150,000 people · EPA ID IL0195300
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 621 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Nextlink, Volo.net Internet+Tech.

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