1305 E McHenry St, Urbana, IL 61801 Property Records

Champaign County property record for 1305 E McHenry St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,425 sqft · built 1965
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jan 2023)
Tax Bill	$8,768 (2024)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`93-21-21-377-005`

Property Details

APN / Parcel Number

Primary APN	`93-21-21-377-005`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,425 sqft Building Perimeter
1st Floor Area	1,425 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Stucco
Foundation Type	Raised
Roof Material	Other
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	100 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1305 E MCHENRY ST
City	URBANA
State	IL
Zip	61801-6918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 159 ENNIS RIDGE 4TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	21
Legal Subdivision	ENNIS RIDGE 4TH SUB
Legal Lot Number	159
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	4
Census Block	4014
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	1305 E MCHENRY ST, URBANA, IL 61801-6918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed, Transfer · Conventional Mortgage EMERALD MORTGAGE CORP
Feb 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	2023144
Prior Transfer Date	Sep 22, 2009
Prior Transfer Doc	0000028245
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 4, 2023
Property Address	1305 E MCHENRY ST, URBANA, IL 61801-6918
Document Number	0000000144
Map Reference	MB N PG 125
Instrument Date	Dec 28, 2022
Instrument	2023R00144
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1305 E MCHENRY ST, URBANA, IL 61801-6918

Mortgage

Document Number	0000000145
Date	Jan 4, 2023
Instrument	2023R00145

Lender

Name	EMERALD MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.5%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1305 E MCHENRY ST, URBANA, IL 61801-6918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001603
Date	Feb 1, 2018
Instrument	2018R01603

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jan 15, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	Monthly
Max Rate	18%

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		$96,290 (+25.92%) Land $25,210 Building $71,080	$288,870 (+25.92%) Land $75,630 Building $213,240
2024	$8,768.00 (+23.74%)
2022	$7,086.00 Homeowner's exemption Senior Citizen's exemption	$76,470 Land $20,020 Building $56,450	$229,410 Land $60,060 Building $169,350

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 430 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Nextlink, Pavlov Media, Volo.net Internet+Tech.

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