1912 Clover Ln, Champaign, IL 61821 Property Records

Champaign County property record for 1912 Clover Ln, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1961
Lot Size	0.299 acres (13,014 sqft)
Owner	Individual Name on File
Last Sale	$28,500 (Mar 2014)
Tax Bill	$4,614 (2024)
Deeds & Mortgages	Jul 2026 Construction Loan Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45-20-22-280-001`

Property Details

APN / Parcel Number

Primary APN	`45-20-22-280-001`

Interior

Full Baths	2 Baths
Building Area	1,440 sqft Building Perimeter
1st Floor Area	1,440 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Split Level
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	13,014 sqft (0.299 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1912 CLOVER LN
City	CHAMPAIGN
State	IL
Zip	61821-5836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 79 SOUTHWOOD 2ND SUB AND OTHER LAND
Legal Range	08E
Legal Township	19N
Legal Section	22
Legal Subdivision	SOUTHWOOD 2ND SUB
Legal Lot Number	79
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	2
Census Block	2012
Census Tract	1203

Owner

1912 Clover Ln is owned and occupied by an individual who bought it in March 2014.

Source: Champaign County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 8, 2026	Deed of Trust, Mortgage · Construction Mortgage FISHER NATIONAL BANK
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit FISHER NATIONAL BANK
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FISHER NATIONAL BANK
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit FIRST BK&TR/IL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2014 · Amount on File
Deed Sale	Mar 24, 2014 · Amount on File
Prior Sale	Jul 5, 2006 · Amount on File
Deed Document Number	20144446
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 8, 2026
Property Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836
Document Number	0000010517
Instrument Date	Jul 8, 2026
Instrument	202610517
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836

Mortgage

Document Number	0000010517,
Date	Jul 8, 2026
Instrument	202610517

Lender

Name	FISHER NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Feb 1, 2027

Interest

Rate	5.75%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836

Mortgage

Document Number	0000001104
Date	Jan 19, 2022
Instrument	2022R01104

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	CHAMPAIGN, IL 61822

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Jan 31, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016222
Date	Jul 12, 2021
Instrument	2021R16222

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

Interest

Rate	2.5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1912 CLOVER LN, CHAMPAIGN, IL 61821-5836
Document Number	0000018461
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1912 CLOVER LN CHAMPAIGN IL 618215836, CHAMPAIGN, IL 61821-5836

Mortgage

Document Number	0000018461
Date	Sep 27, 2017
Instrument	18461

Lender

Name	FIRST BK&TR/IL
Type	Bank
Address	SAVOY, IL 61874

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 26, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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		$66,090 Land $15,560 Building $50,530	$198,270 Land $46,680 Building $151,590
2024	$4,614.00
2022	$3,999.00 Homeowner's exemption	$49,490 Land $11,650 Building $37,840	$148,470 Land $34,950 Building $113,520

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1912 Clover Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 1993 · rainfall accumulation

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

Wildfire risk around 1912 Clover Ln is low, with less than a 0.01% annual chance of 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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