203 Flora Dr, Champaign, IL 61821 Property Records

Champaign County property record for 203 Flora Dr, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	2 ba · 954 sqft · built 1947
Lot Size	0.227 acres (9,892 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2024)
Tax Bill	$4,181 (2024)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-20-11-451-017`

Property Details

APN / Parcel Number

Primary APN	`42-20-11-451-017`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	954 sqft Building Perimeter
1st Floor Area	954 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Duplex Single
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	9,892 sqft (0.227 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	203 FLORA DR
City	CHAMPAIGN
State	IL
Zip	61821-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLOCK 3 ELMWOOD ADD TO CITY OF CHAMPAIGN
Legal Range	08E
Legal Township	19N
Legal Section	11
Legal Subdivision	ELMWOOD ADD TO CITY OF CHAMPAIGN
Legal Block	3
Legal Lot Number	12
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3006
Census Tract	1000

Owner

203 Flora Dr is owned and occupied by an individual who bought it in November 2024.

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

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

Owner of Record	Individual Name on File
Mailing Address	203 FLORA DR, CHAMPAIGN, IL 61821-3212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2017	Deed of Trust, Mortgage COMMERCE BANK
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2024 · Amount on File
Deed Sale	Nov 25, 2024 · Amount on File
Prior Sale	Aug 6, 2024 · Amount on File
Deed Document Number	202417414
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	203 FLORA DR, CHAMPAIGN, IL 61821-3212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019567
Date	Oct 13, 2017
Instrument	2017R19567

Lender

Name	COMMERCE BANK
Type	Bank
Address	CHAMPAIGN, IL 61821

Agreement

Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	203 FLORA DR, CHAMPAIGN, IL 61821-3212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018225
Date	Oct 30, 2019
Instrument	2019R18225

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 23, 2029

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		$53,800 Land $21,620 Building $32,180	$161,400 Land $64,860 Building $96,540
2024	$4,181.00
2022	$3,705.00	$40,290 Land $16,190 Building $24,100	$120,870 Land $48,570 Building $72,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 203 Flora Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2014 · 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

The area around 203 Flora Dr 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 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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