1401 E Harding Dr, Urbana, IL 61801 Property Records

Champaign County property record for 1401 E Harding Dr, Urbana, IL 61801

Property Summary

Property Type	Commercial
Lot Size	0.303 acres (13,213 sqft)
Owner	Company Name on Record
Last Sale	$100,000 (Jan 2019)
Tax Bill	$1,524 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`93-21-21-180-001`

Property Details

APN / Parcel Number

Primary APN	`93-21-21-180-001`

Exterior

Lot Area	13,213 sqft (0.303 acres)

Location & Zoning

Street Address	1401 E HARDING DR
City	URBANA
State	IL
Zip	61801
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 523 ENNIS RIDGE 6TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	21
Legal Subdivision	ENNIS RIDGE 6TH SUB
Legal Lot Number	523
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2009
Census Tract	5701

Owner

Source: Champaign County records, as of August 14, 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	309 W CLARK ST, CHAMPAIGN, IL 61820-4637
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage SMALL BUSN GROWTH
Mar 26, 2020	Deed of Trust, Construction Loan · Line of Credit PNC BK
Mar 26, 2020	Deed of Trust, Construction Loan · Line of Credit PNC BK
Jan 25, 2019	Grant Deed, Transfer ALLIED CAPITAL TITLE, ALLIED CAP TITLE
Jun 30, 2018	Loan Modification, Mortgage BUSEY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	20191140
Prior Transfer Date	Sep 23, 2007
Prior Transfer Doc	0000026610
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1401 E HARDING DR, URBANA, IL 61801
Document Number	0000023037
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1401 E HARDING DR URBANA IL 61802, URBANA, IL 61802

Mortgage

Document Number	0000023037
Date	Nov 5, 2020
Instrument	23037

Lender

Name	SMALL BUSN GROWTH
Address	SPRINGFIELD, IL 62704

Agreement

Amount	Amount Recorded

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 26, 2020
Property Address	1401 E HARDING DR, URBANA, IL 61801
Document Number	0000004770
Instrument Date	Mar 18, 2020
Instrument	4770
Transaction Type	Construction Loan
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	309 W CLARK ST CHAMPAIGN IL 618204637, CHAMPAIGN, IL 61820-4637

Mortgage

Document Number	0000004770
Date	Mar 26, 2020
Instrument	4770

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 26, 2020
Property Address	1401 E HARDING DR, URBANA, IL 61801
Document Number	0000004769
Instrument Date	Mar 18, 2020
Instrument	4769
Transaction Type	Construction Loan
Record Updated	May 28, 2020
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	309 W CLARK ST CHAMPAIGN IL 618204637, CHAMPAIGN, IL 61820-4637

Mortgage

Document Number	0000004769
Date	Mar 26, 2020
Instrument	4769

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 25, 2019
Property Address	1401 E HARDING DR, URBANA, IL 61801
Document Number	0000001140
Instrument Date	Jan 17, 2019
Instrument	1140
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transaction

Amount	Amount Recorded
Tax	$100.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	309 W CLARK ST CHAMPAIGN IL 618204637, CHAMPAIGN, IL 61820-4637

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	1401 E HARDING DR, URBANA, IL 61801
Document Number	0000011588
Instrument Date	Jun 30, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1717 S PHILO ROAD SUIT 16 URBANA IL 61801, URBANA, IL 61801

Mortgage

Document Number	0000011588
Date	Jul 9, 2018
Instrument	11588

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Amount	Amount Recorded

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		$15,640 (+26.03%) Land $14,590 Building $1,050	$46,920 (+26.03%) Land $43,770 Building $3,150
2024	$1,524.00 (+13.48%)
2022	$1,343.00	$12,410 Land $11,580 Building $830	$37,230 Land $34,740 Building $2,490

Assessed value is set for property tax purposes, not a market price estimate; it is 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 233 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Pavlov Media.

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