109 E Willard St, Urbana, IL 61801 Property Records

Champaign County property record for 109 E Willard St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,380 sqft · built 1979
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Mar 2025)
Tax Bill	$5,451 (2024)
Deeds & Mortgages	Mar 2023 Transfer Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`93-21-20-454-008`

Property Details

APN / Parcel Number

Primary APN	`93-21-20-454-008`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,380 sqft Building Perimeter
1st Floor Area	1,380 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stucco
Roof Material	Other
Lot Area	8,200 sqft (0.188 acres)
Lot Dimensions	100 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	109 E WILLARD ST
City	URBANA
State	IL
Zip	61801-6659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 116 UNIVERSITY DOWNS, 13TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	20
Legal Subdivision	UNIVERSITY DOWNS, 13TH SUB
Legal Lot Number	116
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	109 E WILLARD ST, URBANA, IL 61801-6659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Intrafamily Transfer, Transfer
Mar 27, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage HICKORY POINT BANK & TRUST
May 3, 2017	Grant Deed, Transfer · Conventional with PMI HICKORY PT BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2025 · Amount on Record
Deed Sale	Mar 4, 2025 · Amount on Record
Prior Sale	Mar 27, 2023 · Amount on Record
Deed Document Number	20252813
Prior Transfer Date	Mar 23, 2023
Prior Transfer Doc	0000003876
Record Updated	Jun 8, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 31, 2023
Property Address	109 E WILLARD ST, URBANA, IL 61801-6659
Document Number	0000003876
Map Reference	MB Z PG 31
Instrument Date	Mar 23, 2023
Instrument	2023R03876
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	109 E WILLARD ST, URBANA, IL 61801-6659

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 27, 2023
Property Address	109 E WILLARD ST, URBANA, IL 61801-6659
Document Number	0000003625
Map Reference	MB Z PG 31
Instrument Date	Mar 23, 2023
Instrument	2023R03625
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E WILLARD ST, URBANA, IL 61801-6659

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	109 E WILLARD ST, URBANA, IL 61801-6659
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008986
Date	Apr 19, 2021
Instrument	2021R08986

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank
Address	DECATUR, IL 62525

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 3, 2017
Property Address	109 E WILLARD ST, URBANA, IL 61801-6659
Document Number	0000007627
Instrument Date	May 2, 2017
Instrument	7627
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 E WILLARD ST URBANA IL 618016659, URBANA, IL 61801-6659

Mortgage

Document Number	7628
Date	May 3, 2017
Instrument	7628

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2047

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		$67,550 (+25.93%) Land $23,750 Building $43,800	$202,650 (+25.93%) Land $71,250 Building $131,400
2024	$5,451.00 (+5.72%)
2022	$5,156.00 Homeowner's exemption	$53,640 Land $18,860 Building $34,780	$160,920 Land $56,580 Building $104,340

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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