107 E Willard St, Urbana, IL 61801 Property Records

Champaign County property record for 107 E Willard St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,526 sqft · built 1980
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,000 (Nov 2023)
Tax Bill	$6,068 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`93-21-20-454-007`

Property Details

APN / Parcel Number

Primary APN	`93-21-20-454-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,526 sqft Building Perimeter
1st Floor Area	1,526 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Stucco
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	459 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	107 E WILLARD ST
City	URBANA
State	IL
Zip	61801-6659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 117 UNIVERSITY DOWNS, 13TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	20
Legal Subdivision	UNIVERSITY DOWNS, 13TH SUB
Legal Lot Number	117
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	3
Census Block	3011
Census Tract	5701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	107 E WILLARD ST, URBANA, IL 61801-6659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF ILLINOIS EMPLOYEES CU
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on Record
Deed Sale	Nov 7, 2023 · Amount on Record
Prior Sale	Sep 22, 2020 · Amount on Record
Deed Document Number	202315917
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 7, 2023
Property Address	107 E WILLARD ST, URBANA, IL 61801-6659
Document Number	0000015917
Map Reference	MB Z PG 31
Instrument Date	Oct 12, 2023
Instrument	2023R15917
Transaction Type	Transfer
Record Updated	Nov 15, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$241.00
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 by the Entirety
Address	107 E WILLARD ST, URBANA, IL 61801-6659

Mortgage

Document Number	0000015918
Date	Nov 7, 2023
Instrument	2023R15918

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	107 E WILLARD ST, URBANA, IL 61801-6659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013718
Date	Jul 25, 2017
Instrument	2017R13718

Lender

Name	UNIVERSITY OF ILLINOIS EMPLOYEES CU
Type	Credit Union
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 22, 2020
Property Address	107 E WILLARD ST, URBANA, IL 61801-6659
Document Number	0000019331
Map Reference	MB Z PG 31
Instrument Date	Sep 10, 2020
Instrument	2020R19331
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000019332
Date	Sep 22, 2020
Instrument	2020R19332

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

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		$68,600 (+25.92%) Land $21,730 Building $46,870	$205,800 (+25.92%) Land $65,190 Building $140,610
2024	$6,068.00 (+15.65%)
2022	$5,247.00 Homeowner's exemption	$54,480 Land $17,260 Building $37,220	$163,440 Land $51,780 Building $111,660

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 · 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

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 76 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	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Fidium Fiber, Nextlink.

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