2109 Emerald Dr, Champaign, IL 61822 Property Records

Champaign County property record for 2109 Emerald Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.243 acres (10,597 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (May 2026)
Tax Bill	$9,339 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-20-330-003`

Property Details

APN / Parcel Number

Primary APN	`03-20-20-330-003`

Exterior

Lot Area	10,597 sqft (0.243 acres)

Location & Zoning

Street Address	2109 EMERALD DR
City	CHAMPAIGN
State	IL
Zip	61822-3532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 406 IRONWOOD WEST IV SUB
Legal Range	08E
Legal Township	19N
Legal Section	20
Legal Subdivision	IRONWOOD WEST IV SUB
Legal Lot Number	406
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1027
Census Tract	1205

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF ILLINOIS COMMUNITY CU
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Apr 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	20267905
Prior Transfer Date	Jan 12, 2004
Prior Transfer Doc	0000008614
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006085
Date	May 12, 2023
Instrument	2023R06085

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 28, 2026
Property Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Document Number	0000007905
Instrument Date	May 27, 2026
Instrument	20267905
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007906,
Date	May 28, 2026
Instrument	20267906

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006602
Date	Apr 24, 2020
Instrument	2020R06602

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	WORLAND, WY 82401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 29, 2019
Property Address	2109 EMERALD DR, CHAMPAIGN, IL 61822-3532
Document Number	0000005917
Instrument Date	Apr 26, 2019
Instrument	5917
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$292.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2109 EMERALD DR CHAMPAIGN IL 618223532, CHAMPAIGN, IL 61822-3532

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	$9,339.00 (+9.06%) Homeowner's exemption	$116,020 (+12.6%) Land $27,380 Building $88,640	$348,060 (+12.6%) Land $82,140 Building $265,920
2024	$8,563.00 (+5.27%)	$103,040 (+16.09%) Land $24,320 Building $78,720	$309,120 (+16.09%) Land $72,960 Building $236,160
2023	$8,134.00 (+5.42%)
2022	$7,716.00 Homeowner's exemption	$88,760 Land $20,950 Building $67,810	$266,280 Land $62,850 Building $203,430

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 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 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 384 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
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Verizon.

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