204 Flora Dr, Champaign, IL 61821 Property Records

Champaign County property record for 204 Flora Dr, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	1 ba · 820 sqft · built 1945
Lot Size	0.191 acres (8,304 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jun 2026)
Tax Bill	$3,854 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-20-11-453-002`

Property Details

APN / Parcel Number

Primary APN	`42-20-11-453-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	820 sqft Building Perimeter
1st Floor Area	820 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	8,304 sqft (0.191 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	204 FLORA DR
City	CHAMPAIGN
State	IL
Zip	61821-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLOCK 4 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	4
Legal Lot Number	7
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3008
Census Tract	1000

Owner

204 Flora Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Champaign County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	204 FLORA DR, CHAMPAIGN, IL 61821-3213
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
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Sep 22, 2005 · Amount on File
Deed Document Number	20269250
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	204 FLORA DR, CHAMPAIGN, IL 61821-3213
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 FLORA DR, CHAMPAIGN, IL 61821-3213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002602
Date	Feb 10, 2022
Instrument	2022R02602

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	CHAMPAIGN, IL 61821

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 17, 2026
Property Address	204 FLORA DR, CHAMPAIGN, IL 61821-3213
Document Number	0000009250
Instrument Date	Jun 12, 2026
Instrument	20269250
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,027.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	204 FLORA DR, CHAMPAIGN, IL 61821-3213

Mortgage

Document Number	0000009251,
Date	Jun 17, 2026
Instrument	20269251

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 204 Flora Dr was $3,854, up 8.1% from the year before.

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	$3,854.00 (+8.11%)	$45,870 (+12.18%) Land $17,790 Building $28,080	$137,610 (+12.18%) Land $53,370 Building $84,240
2024	$3,565.00 (+6.16%)	$40,890 Land $15,860 Building $25,030	$122,670 Land $47,580 Building $75,090
2023	$3,358.00 (+6.33%)
2022	$3,158.00	$34,350 Land $13,320 Building $21,030	$103,050 Land $39,960 Building $63,090

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 204 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 204 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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