1809 Vale St, Champaign, IL 61822 Property Records

Champaign County property record for 1809 Vale St, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.272 acres (11,860 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Sep 2021)
Tax Bill	$15,402 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-20-181-006`

Property Details

APN / Parcel Number

Primary APN	`03-20-20-181-006`

Exterior

Lot Area	11,860 sqft (0.272 acres)

Location & Zoning

Street Address	1809 VALE ST
City	CHAMPAIGN
State	IL
Zip	61822-3564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 125 TRAILS EDGE 1 SUB
Legal Range	08E
Legal Township	19N
Legal Section	20
Legal Subdivision	TRAILS EDGE 1 SUB
Legal Lot Number	125
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1018
Census Tract	1205

Owner

1809 Vale St is owned and occupied by two individuals who bought it in September 2021.

Source: Champaign County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 14, 2017	Deed of Trust, Mortgage · ARM BUSEY BANK
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage HICKORY POINT BANK & TRUST
Apr 17, 2019	Grant Deed, Transfer ATTORNEY ONLY
Apr 1, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on File
Deed Sale	Sep 3, 2021 · Amount on File
Prior Sale	Jul 27, 2020 · Amount on File
Deed Document Number	202121093
Prior Transfer Date	Mar 29, 2019
Prior Transfer Doc	0000004358
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 3, 2021
Property Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000021093
Map Reference	DOC 2003R29156
Instrument Date	Aug 24, 2021
Instrument	2021R21093
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
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 by the Entirety
Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564

Mortgage

Document Number	0000021094
Date	Sep 3, 2021
Instrument	2021R21094

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002579
Date	Feb 14, 2017
Instrument	2017R02579

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 27, 2020
Property Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000014251
Map Reference	DOC 2003R29156
Instrument Date	Jul 17, 2020
Instrument	2020R14251
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564

Mortgage

Document Number	0000014252
Date	Jul 27, 2020
Instrument	2020R14252

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 17, 2019
Property Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000005289
Instrument Date	Apr 16, 2019
Instrument	5289
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$759.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1809 VALE ST CHAMPAIGN IL 618223564, CHAMPAIGN, IL 61822-3564

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 1, 2019
Property Address	1809 VALE ST, CHAMPAIGN, IL 61822-3564
Document Number	0000004358
Instrument Date	Mar 29, 2019
Instrument	4358
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$825.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1801 S VINE ST URBANA IL 618015833, URBANA, IL 61801-5833

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		$208,930 Land $41,530 Building $167,400	$626,790 Land $124,590 Building $502,200
2024	$15,402.00
2022	$13,876.00 Homeowner's exemption Senior Citizen's exemption	$159,820 Land $31,760 Building $128,060	$479,460 Land $95,280 Building $384,180

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

FEMA maps place 1809 Vale St in Zone X, an area of minimal flood risk.

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

The area around 1809 Vale 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.

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.

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