1301 N Prospect Ave, Champaign, IL 61820 Property Records

Champaign County property record for 1301 N Prospect Ave, Champaign, IL 61820

Property Summary

Property Type	Commercial
Lot Size	0.612 acres (26,659 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (May 2019)
Tax Bill	$17,687 (2024)
Deeds & Mortgages	Jan 2020 Line of Credit May 2019 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-476-015`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-476-015`

Exterior

Lot Area	26,659 sqft (0.612 acres)

Location & Zoning

Street Address	1301 N PROSPECT AVE
City	CHAMPAIGN
State	IL
Zip	61820-2534
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 1 N AND M SUB
Legal Range	08E
Legal Township	19N
Legal Section	02
Legal Subdivision	N AND M SUB
Legal Lot Number	1
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1004
Census Tract	901

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	Company Name on Record
Mailing Address	201 N MAIN ST, 300, SAINT CHARLES, MO 63301-2878
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2020	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
May 13, 2019	Special Warranty Deed, Construction Loan · Construction Mortgage UMB BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Aug 6, 2013
Deed Document Number	20196738
Prior Transfer Date	Aug 31, 1994
Prior Transfer Doc	0000000931
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1301 N PROSPECT AVE, CHAMPAIGN, IL 61820-2534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000158
Date	Jan 6, 2020
Instrument	2020R00158

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63102

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2019: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 13, 2019
Property Address	1301 N PROSPECT AVE, CHAMPAIGN, IL 61820-2534
Document Number	0000006738
Map Reference	MB Y PG 232
Instrument Date	May 1, 2019
Instrument	2019R06738
Transaction Type	Construction Loan
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount Recorded
Tax	$862.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N MAIN ST STE 300, 300, SAINT CHARLES, MO 63301-2878

Mortgage

Document Number	0000006739
Date	May 13, 2019
Instrument	2019R06739

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	69 Months
Due	Feb 1, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.32%
Min Rate At Change	2.5%

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		$227,580 (+33.56%) Land $128,560 Building $99,020	$682,740 (+33.56%) Land $385,680 Building $297,060
2024	$17,687.00 (+12.88%)
2022	$15,669.00	$170,400 Land $96,260 Building $74,140	$511,200 Land $288,780 Building $222,420

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	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 302 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Mediacom Xtream, Nextlink.

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