206 E Center St, Gifford, IL 61847 Property Records

Champaign County property record for 206 E Center St, Gifford, IL 61847

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,468 sqft · built 1973
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Apr 2024)
Tax Bill	$2,901 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-01-156-004`

Property Details

APN / Parcel Number

Primary APN	`06-10-01-156-004`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,468 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	1,468 sqft
Basement Area	1,468 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	13,500 sqft (0.31 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	206 E CENTER ST
City	GIFFORD
State	IL
Zip	61847-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLOCK 9 HESTERBERG REPLAT
Legal Range	10E
Legal Township	21N
Legal Section	01
Legal Subdivision	HESTERBERG REPLAT
Legal Block	9
Legal Lot Number	9
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	COMPROMISE
Census Block Group	3
Census Block	3020
Census Tract	10400

Owner

206 E Center St is owned and occupied by two individuals who bought it in April 2024.

Source: Champaign County records, as of July 20, 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	2 Individual Names on File
Mailing Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Warranty Deed, Transfer · VA Mortgage ILLINOIS LIMITED LIABILITY COMPANY
Nov 2, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Apr 25, 2018	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG
Jan 22, 2018	Loan Modification, Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2024 · Amount on File
Deed Sale	Apr 3, 2024 · Amount on File
Prior Sale	Apr 25, 2018 · Amount on File
Deed Document Number	20244109
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 3, 2024
Property Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Document Number	0000004109
Map Reference	DOC 743618
Instrument Date	Apr 1, 2024
Instrument	2024R04109
Transaction Type	Transfer
Record Updated	Apr 11, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
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	206 E CENTER ST, GIFFORD, IL 61847-9548

Mortgage

Document Number	0000004110
Date	Apr 3, 2024
Instrument	2024R04110

Lender

Name	ILLINOIS LIMITED LIABILITY COMPANY
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E ENTER ST, GIFFORD, IL 61847

Mortgage

Document Number	0000019672
Date	Nov 2, 2022
Instrument	2022R19672

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E CENTER ST, GIFFORD, IL 61847-9548

Mortgage

Document Number	0000015919
Date	Jul 8, 2021
Instrument	2021R15919

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	322 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 25, 2018
Property Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Document Number	0000006393
Instrument Date	Apr 20, 2018
Instrument	6393
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Additional	Lis Pendens 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	206 E CENTER ST GIFFORD IL 618479548, GIFFORD, IL 61847-9548

Mortgage

Document Number	6394
Date	Apr 25, 2018
Instrument	6394

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2048

Interest

Rate	5.62%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	206 E CENTER ST, GIFFORD, IL 61847-9548
Document Number	0000004558
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E CENTER ST GIFFORD IL 618479548, GIFFORD, IL 61847-9548

Mortgage

Document Number	0000004558
Date	Mar 28, 2018
Instrument	4558

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	215 W FORSYTHE ST, COLUMBIA, TN 38401

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 27, 2028

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 206 E Center St was $2,901, up 5.2% 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	Compromise Township
Municipality	Gifford Village
Elementary School District	Gifford Community Consolidated School District 188 (PK - 08)
Secondary School District	Rantoul Township High School District 193 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,901.00 (+5.18%)	$45,970 Land $5,190 Building $40,780	$137,910 Land $15,570 Building $122,340
2024	$2,758.00
2022	$2,470.00 Homeowner's exemption	$37,210 Land $4,200 Building $33,010	$111,630 Land $12,600 Building $99,030

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 206 E Center St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 206 E Center St 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	GIFFORD serves 911 people · EPA ID IL0190250
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.6 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	800 / 400
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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