1805 Vale St, Champaign, IL 61822 Property Records

Champaign County property record for 1805 Vale St, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.252 acres (10,994 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jul 2019)
Tax Bill	$12,324 (2024)
Deeds & Mortgages	May 2022 Line of Credit Sep 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-20-181-008`

Property Details

APN / Parcel Number

Primary APN	`03-20-20-181-008`

Exterior

Lot Area	10,994 sqft (0.252 acres)

Location & Zoning

Street Address	1805 VALE ST
City	CHAMPAIGN
State	IL
Zip	61822-3564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 123 TRAILS EDGE 1 SUB
Legal Range	08E
Legal Township	19N
Legal Section	20
Legal Subdivision	TRAILS EDGE 1 SUB
Legal Lot Number	123
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1018
Census Tract	1205

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	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Sep 8, 2017	Deed of Trust, Mortgage · Line of Credit VILLA GROVE STATE BANK
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jul 3, 2019	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Aug 23, 2018	Loan Modification, Mortgage · Conventional with PMI VILLA GROVE ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	Sep 28, 2004 · Amount on Record
Deed Document Number	201910502
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009278
Date	May 24, 2022
Instrument	2022R09278

Lender

Name	BUSEY BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017119
Date	Sep 8, 2017
Instrument	2017R17119

Lender

Name	VILLA GROVE STATE BANK
Type	Bank
Address	VILLA GROVE, IL 61956

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Aug 25, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025935
Date	Dec 9, 2020
Instrument	2020R25935

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 3, 2019
Property Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000010502
Map Reference	DOC 2003R29156
Instrument Date	Jun 27, 2019
Instrument	2019R10502
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	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010503
Date	Jul 3, 2019
Instrument	2019R10503

Lender

Name	BUSEY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	1805 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000014886
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 VALE ST CHAMPAIGN IL 618223564, CHAMPAIGN, IL 61822-3564

Mortgage

Document Number	0000014886
Date	Aug 24, 2018
Instrument	14886

Lender

Name	VILLA GROVE ST BK
Type	Mortgage Company
Address	VILLA GROVE, IL 61956

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Aug 23, 2019

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Champaign City Township
Municipality	Champaign City
Unified School District	Champaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$164,020 (+30.72%) Land $41,110 Building $122,910	$492,060 (+30.72%) Land $123,330 Building $368,730
2024	$12,324.00 (+10.64%)
2022	$11,139.00 Homeowner's exemption	$125,470 Land $31,450 Building $94,020	$376,410 Land $94,350 Building $282,060

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 304 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
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Mediacom Xtream.

Nearby Properties on Vale St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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