2104 E Main St, Urbana, IL 61802 Property Records

Champaign County property record for 2104 E Main St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1929
Lot Size	0.279 acres (12,154 sqft)
Owner	Individual on Record
Last Sale	$105,000 (Aug 2024)
Tax Bill	$2,065 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`91-21-10-353-004`

Property Details

APN / Parcel Number

Primary APN	`91-21-10-353-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Building Perimeter
1st Floor Area	1,080 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Stucco
Roof Material	Other
Lot Area	12,154 sqft (0.279 acres)
Lot Dimensions	118 ft deep x 103 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2104 E MAIN ST
City	URBANA
State	IL
Zip	61802-2854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 4 SUB OF PT SW 1/4 SW 1/4 SEC. 10-19-9 - AKA - JACOB M. SMITHS SUB
Legal Range	09E
Legal Township	19N
Legal Section	10
Legal Subdivision	JACOB M. SMITHS SUB
Legal Lot Number	4
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1005
Census Tract	5500

Owner

Source: Champaign County assessment roll, 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 on Record
Mailing Address	2104 E MAIN ST, URBANA, IL 61802-2854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Mar 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2024 · Amount on Record
Deed Sale	Aug 13, 2024 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	202411945
Prior Transfer Date	Mar 1, 2018
Prior Transfer Doc	0000004390
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 21, 2021
Property Address	2104 E MAIN ST, URBANA, IL 61802-2854
Document Number	0000017154
Map Reference	MB B PG 210
Instrument Date	Jul 19, 2021
Instrument	2021R17154
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
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	2104 E MAIN ST, URBANA, IL 61802-2854

Mortgage

Document Number	0000017157
Date	Jul 21, 2021
Instrument	2021R17157

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 26, 2018
Property Address	2104 E MAIN ST, URBANA, IL 61802-2854
Document Number	0000004390
Instrument Date	Mar 1, 2018
Instrument	4390
Transaction Type	Transfer
Record Updated	May 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	806 S VINE ST URBANA IL 618014224, URBANA, IL 61801-4224

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Cunningham Township
Municipality	Urbana City
Unified School District	Urbana School District 116 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$27,450 (+25.86%) Land $14,120 Building $13,330	$82,350 (+25.86%) Land $42,360 Building $39,990
2024	$2,065.00 (-12.8%)
2022	$2,368.00	$21,810 Land $11,220 Building $10,590	$65,430 Land $33,660 Building $31,770

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 98% of the US · lower than 86% 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Nextlink.

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