1120 Declaration Dr, Savoy, IL 61874 Property Records

Champaign County property record for 1120 Declaration Dr, Savoy, IL 61874

Property Summary

Property Type	Single Family Home
Lot Size	0.251 acres (10,933 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,500 (Jun 2008)
Tax Bill	$7,395 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-35-302-001`

Property Details

APN / Parcel Number

Primary APN	`03-20-35-302-001`

Exterior

Lot Area	10,933 sqft (0.251 acres)

Location & Zoning

Street Address	1120 DECLARATION DR
City	SAVOY
State	IL
Zip	61874-8731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 207 LIBERTY ON THE LAKE 2 PHASE 1
Legal Range	08E
Legal Township	19N
Legal Section	35
Legal Subdivision	LIBERTY ON THE LAKE 2 PHASE 1
Legal Lot Number	207
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN
Census Block Group	3
Census Block	3013
Census Tract	1302

Owner

Source: Champaign County records, as of June 23, 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	1120 DECLARATION DR, SAVOY, IL 61874-8731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit MUTUAL/OMAHA MORTGAGE LLC
Jul 20, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 13, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2008 · Amount on Record
Deed Sale	Jun 20, 2008 · Amount on Record
Deed Document Number	200815869
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 8, 2026
Property Address	1120 DECLARATION DR, SAVOY, IL 61874-8731
Document Number	0000008525
Instrument Date	Jun 1, 2026
Instrument	20268525
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 DECLARATION DR, SAVOY, IL 61874-8731

Mortgage

Document Number	0000008525,
Date	Jun 8, 2026
Instrument	20268525

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1120 DECLARATION DR, SAVOY, IL 61874-8731
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013251
Date	Jul 20, 2022
Instrument	2022R13251

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.99%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1120 DECLARATION DR, SAVOY, IL 61874-8731
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021851
Date	Sep 13, 2021
Instrument	2021R21851

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

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 Township
Municipality	Savoy Village
Unified School District	Champaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$120,050 (+30.72%) Land $27,800 Building $92,250	$360,150 (+30.72%) Land $83,400 Building $276,750
2024	$7,395.00 (+10.46%)
2022	$6,695.00 Homeowner's exemption	$91,840 Land $21,270 Building $70,570	$275,520 Land $63,810 Building $211,710

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Mediacom Xtream Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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