1311 E Harding Dr, Urbana, IL 61801 Property Records

Champaign County property record for 1311 E Harding Dr, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Lot Size	0.026 acres (1,140 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Feb 2025)
Tax Bill	$2,689 (2024)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`93-21-21-177-040`

Property Details

APN / Parcel Number

Primary APN	`93-21-21-177-040`

Exterior

Architectural Style	Condo/Apartment
Lot Area	1,140 sqft (0.026 acres)

Location & Zoning

Street Address	1311 E HARDING DR
City	URBANA
State	IL
Zip	61801-6452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT COMMONS 529 ROSE CONDO
Legal Range	09E
Legal Township	19N
Legal Section	21
Legal Subdivision	COMMONS 529 ROSE CONDO
Legal Lot Number	E
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2008
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	Individual Name on Record
Mailing Address	910 MEMORIAL DR, MACOMB, IL 61455-3041
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Jan 12, 2018	Warranty Deed, Transfer · ARM BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Sep 30, 2019 · Amount on Record
Deed Document Number	20252171
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 30, 2019
Property Address	1311 E HARDING DR, URBANA, IL 61801-6452
Document Number	0000016104
Map Reference	MB AA PG 168
Instrument Date	Sep 23, 2019
Instrument	2019R16104
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1311 E HARDING DR, URBANA, IL 61801-6452

Mortgage

Document Number	0000016105
Date	Sep 30, 2019
Instrument	2019R16105

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 12, 2018
Property Address	1311 E HARDING DR, URBANA, IL 61801-6452
Document Number	0000000586
Map Reference	MB AA PG168
Instrument Date	May 19, 2017
Instrument	2018R00586
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
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	703 LAUTERBUR LN, CHAMPAIGN, IL 61822-1114

Mortgage

Document Number	0000000587
Date	Jan 12, 2018
Instrument	2018R00587

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	9.75%

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		$27,590 (+25.92%) Land $9,920 Building $17,670	$82,770 (+25.92%) Land $29,760 Building $53,010
2024	$2,689.00 (+56.16%)
2022	$1,722.00 Homeowner's exemption	$21,910 Land $7,880 Building $14,030	$65,730 Land $23,640 Building $42,090

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.

Nearby Properties on E Harding Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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