109 W Ells Ave, Champaign, IL 61820 Property Records

Champaign County property record for 109 W Ells Ave, Champaign, IL 61820

Property Summary

Property Type	Single Family Home
Details	1 ba · 892 sqft · built 1903
Lot Size	0.088 acres (3,857 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jul 2009)
Tax Bill	$2,710 (2024)
Deeds & Mortgages	Jul 2019 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-20-13-409-002`

Property Details

APN / Parcel Number

Primary APN	`43-20-13-409-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	892 sqft Building Perimeter
1st Floor Area	892 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	3,857 sqft (0.088 acres)
Garage Type	Detached
Deck Area	32 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	109 W ELLS AVE
City	CHAMPAIGN
State	IL
Zip	61820-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLOCK 3 WILSON, T.D. SUB PT LT 4 SUB S1/2 13-19-8
Legal Range	08E
Legal Township	19N
Legal Section	13
Legal Subdivision	WILSON, T.D. SUB
Legal Block	3
Legal Lot Number	2,4
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1018
Census Tract	500

Owner

Source: Champaign County records, as of May 27, 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	2117 PLYMOUTH DR, CHAMPAIGN, IL 61821-6543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage PROSPECT BANK
Mar 25, 2019	Deed of Trust, Mortgage · Conventional with PMI BANKCHAMPAIGN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2009 · Amount on Record
Deed Sale	Jul 24, 2009 · Amount on Record
Prior Sale	Jul 2, 2003 · Amount on Record
Deed Document Number	200922214
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	109 W ELLS AVE, CHAMPAIGN, IL 61820-6535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010603
Date	Jul 5, 2019
Instrument	2019R10603

Lender

Name	PROSPECT BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2034

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	109 W ELLS AVE, CHAMPAIGN, IL 61820-6535
Document Number	0000004070
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 W ELLS AVE CHAMPAIGN IL 618206535, CHAMPAIGN, IL 61820-6535

Mortgage

Document Number	0000004070
Date	Mar 26, 2019
Instrument	4070

Lender

Name	BANKCHAMPAIGN
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 25, 2034

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$41,610 (+33.58%) Land $8,530 Building $33,080	$124,830 (+33.58%) Land $25,590 Building $99,240
2024	$2,710.00 (+17.21%)
2022	$2,312.00 Homeowner's exemption	$31,150 Land $6,380 Building $24,770	$93,450 Land $19,140 Building $74,310

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Pavlov Media.

Nearby Properties on W Ells Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures