1011 W Charles St, Champaign, IL 61821 Property Records

Champaign County property record for 1011 W Charles St, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 859 sqft · built 1925
Lot Size	0.231 acres (10,078 sqft)
Owner	Company Name on Record
Last Sale	$762,500 (Dec 2022)
Tax Bill	$17,718 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-20-14-282-005`

Property Details

APN / Parcel Number

Primary APN	`43-20-14-282-005`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	859 sqft Building Perimeter
1st Floor Area	859 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	10,078 sqft (0.231 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1011 W CHARLES ST
City	CHAMPAIGN
State	IL
Zip	61821-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 266, PT 267 CHAMBER OF COMMERCE ADD
Legal Range	08E
Legal Township	19N
Legal Section	14
Legal Subdivision	CHAMBER OF COMMERCE ADD
Legal Lot Number	266
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	2
Census Block	2017
Census Tract	1100

Owner

Source: Champaign County records, as of June 2, 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	309 S 1ST ST, CHAMPAIGN, IL 61820-4164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK
Dec 2, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2022 · Amount on Record
Deed Sale	Dec 2, 2022 · Amount on Record
Prior Sale	Mar 31, 2006 · Amount on Record
Deed Document Number	202221195
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1011 W CHARLES ST, CHAMPAIGN, IL 61821-4525
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003758
Date	Mar 29, 2023
Instrument	2023R03758

Lender

Name	FIRST STATE BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 21, 2024

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 2, 2022
Property Address	1011 W CHARLES ST, CHAMPAIGN, IL 61821-4525
Document Number	0000021195
Map Reference	DOC 68640
Instrument Date	Oct 27, 2022
Instrument	2022R21195
Transaction Type	Transfer
Record Updated	Dec 12, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S 1ST ST, CHAMPAIGN, IL 61820-4164

Mortgage

Document Number	0000021196
Date	Dec 2, 2022
Instrument	2022R21196

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2027

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1011 W CHARLES ST, CHAMPAIGN, IL 61821-4525
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 W CHARLES ST, CHAMPAIGN, IL 61821-4525

Mortgage

Document Number	0000014889
Date	Aug 10, 2022
Instrument	2022R14889

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 7, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Champaign City Township
Municipality	Champaign City
Unified School District	Champaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$234,700 (+12.2%) Land $32,960 Building $201,740	$704,100 (+12.2%) Land $98,880 Building $605,220
2024	$17,718.00 (+6.49%)	$209,180 (+19.02%) Land $29,380 Building $179,800	$627,540 (+19.02%) Land $88,140 Building $539,400
2023	$16,638.00 (+9.82%)
2022	$15,150.00 Homeowner's exemption Senior Citizen's exemption	$175,750 Land $24,690 Building $151,060	$527,250 Land $74,070 Building $453,180

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 14, 2021

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 98% of the US · lower than 86% 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	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 545 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, Nextlink, Pavlov Media.

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