Champaign County property record for 1316 Montgomery St, Urbana, IL 61802
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,301 sqft · built 2004 |
| Lot Size | 0.126 acres (5,497 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Aug 2025) |
| Tax Bill | $6,543 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 91-21-15-390-004 |
| Primary APN | 91-21-15-390-004 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,301 sqft Building Perimeter |
| 1st Floor Area | 1,301 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Foundation Type | Concrete |
| Roof Material | Other |
| Lot Area | 5,497 sqft (0.126 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 368 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1316 MONTGOMERY ST |
|---|---|
| City | URBANA |
| State | IL |
| Zip | 61802-4754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 188 SAVANNAH GREEN PHASE 5 |
| Legal Range | 09E |
| Legal Township | 19N |
| Legal Section | 15 |
| Legal Subdivision | SAVANNAH GREEN PHASE 5 |
| Legal Lot Number | 188 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 5601 |
1316 Montgomery St is owned and occupied by an individual who bought it in August 2025.
Source: Champaign County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1316 MONTGOMERY ST, URBANA, IL 61802-4754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| May 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Mar 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2025 · Amount on File |
| Deed Sale | Aug 26, 2025 · Amount on File |
| Prior Sale | May 17, 2021 · Amount on File |
| Deed Document Number | 202512854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 1316 MONTGOMERY ST, URBANA, IL 61802-4754 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 901 MAPLEPARK DR, CHAMPAIGN, IL 61821-4103 |
| Document Number | 0000015614 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 2025R15614 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | May 17, 2021 |
| Property Address | 1316 MONTGOMERY ST, URBANA, IL 61802-4754 |
| Document Number | 0000011447 |
| Map Reference | DOC 2003R 48238 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021R11447 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1316 MONTGOMERY ST, URBANA, IL 61802-4754 |
| Document Number | 0000011448 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021R11448 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 1316 MONTGOMERY ST, URBANA, IL 61802-4754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003484 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 2017R03484 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
The 2025 property tax bill for 1316 Montgomery St was $6,543, up 4.3% from the year before.
Source: Champaign County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Champaign County |
| County Subdivision | Cunningham Township |
| Municipality | Urbana City |
| Unified School District | Urbana School District 116 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,543.00 (+4.29%) | $70,710 Land $8,910 Building $61,800 | $212,130 Land $26,730 Building $185,400 |
| 2024 | $6,274.00 | ||
| 2022 | $5,427.00 Homeowner's exemption | $56,140 Land $7,070 Building $49,070 | $168,420 Land $21,210 Building $147,210 |
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.
FEMA maps place 1316 Montgomery St in Zone X, an area of minimal flood risk.
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.
The area around 1316 Montgomery St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 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 in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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