1319 E Harding Dr, Urbana, IL 61801 Property Records

Champaign County property record for 1319 E Harding Dr, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Lot Size	0.026 acres (1,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Apr 2024)
Tax Bill	$2,695 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`93-21-21-177-044`

Property Details

APN / Parcel Number

Primary APN	`93-21-21-177-044`

Exterior

Architectural Style	Condo/Apartment
Lot Area	1,148 sqft (0.026 acres)

Location & Zoning

Street Address	1319 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	A
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2008
Census Tract	5701

Owner

Source: Champaign County records, as of September 18, 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	1319 E HARDING DR, A, URBANA, IL 61801-6452
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jan 3, 2018	Warranty Deed, Transfer · ARM MORTON COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2024 · Amount on Record
Deed Sale	Apr 18, 2024 · Amount on Record
Prior Sale	Jan 3, 2018 · Amount on Record
Deed Document Number	20244850
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 18, 2024
Property Address	1319 E HARDING DR, URBANA, IL 61801-6452
Document Number	0000004850
Map Reference	DOC 87R29265
Instrument Date	Mar 29, 2024
Instrument	2024R04850
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1319 E HARDING DR # A, A, URBANA, IL 61801-6452

Mortgage

Document Number	0000004851
Date	Apr 18, 2024
Instrument	2024R04851

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate	6.87%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 3, 2018
Property Address	1319 E HARDING DR, URBANA, IL 61801-6452
Document Number	0000000086
Map Reference	MB AA PG168
Instrument Date	Dec 9, 2017
Instrument	2018R00086
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
Relationship	Joint Tenants
Address	103 MCCHAREZ CT, METAMORA, IL 61548

Mortgage

Document Number	0000000087
Date	Jan 3, 2018
Instrument	2018R00087

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$27,640 (+25.92%) Land $9,920 Building $17,720	$82,920 (+25.92%) Land $29,760 Building $53,160
2024	$2,695.00 (+13.47%)
2022	$2,375.00	$21,950 Land $7,880 Building $14,070	$65,850 Land $23,640 Building $42,210

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.

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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