1903 Hemlock Dr, Champaign, IL 61821 Property Records

Champaign County property record for 1903 Hemlock Dr, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1960
Lot Size	0.446 acres (19,424 sqft)
Owner	Individual Name on Record
Last Sale	$149,500 (Dec 2018)
Tax Bill	$4,196 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-20-22-280-005`

Property Details

APN / Parcel Number

Primary APN	`45-20-22-280-005`

Interior

Full Baths	1 Bath
Building Area	960 sqft Building Perimeter
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	19,424 sqft (0.446 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1903 HEMLOCK DR
City	CHAMPAIGN
State	IL
Zip	61821-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 78 SOUTHWOOD 2ND SUB
Legal Range	08E
Legal Township	19N
Legal Section	22
Legal Subdivision	SOUTHWOOD 2ND SUB
Legal Lot Number	78
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1015
Census Tract	1203

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	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	May 6, 2013 · Amount on Record
Deed Document Number	201822186
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 7, 2026
Property Address	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803
Document Number	0000004893
Instrument Date	Mar 25, 2026
Instrument	20264893
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803

Mortgage

Document Number	0000004893,
Date	Apr 7, 2026
Instrument	20264893

Lender

Name	BUSEY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 25, 2046

Interest

Rate	5.98%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028307
Date	Dec 3, 2021
Instrument	2021R28307

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 31, 2018
Property Address	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803
Document Number	0000022186
Map Reference	MB M PG 96
Instrument Date	Dec 7, 2018
Instrument	2018R22186
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	$224.25
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	1903 HEMLOCK DR, CHAMPAIGN, IL 61821-5803

Mortgage

Document Number	0000022187
Date	Dec 31, 2018
Instrument	2018R22187

Lender

Name	BUSEY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.12%

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		$60,720 (+33.54%) Land $16,570 Building $44,150	$182,160 (+33.54%) Land $49,710 Building $132,450
2024	$4,196.00 (+15.62%)
2022	$3,629.00 Homeowner's exemption	$45,470 Land $12,410 Building $33,060	$136,410 Land $37,230 Building $99,180

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (1990–1993)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Aug 1993 · river or lake flooding

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 605 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fidium Fiber, Nextlink.

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