2112 Emerald Dr, Champaign, IL 61822 Property Records

Champaign County property record for 2112 Emerald Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.269 acres (11,708 sqft)
Owner	2 Individual Names on File
Last Sale	$342,500 (Jul 2017)
Tax Bill	$12,368 (2024)
Deeds & Mortgages	May 2021 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-20-331-002`

Property Details

APN / Parcel Number

Primary APN	`03-20-20-331-002`

Exterior

Lot Area	11,708 sqft (0.269 acres)

Location & Zoning

Street Address	2112 EMERALD DR
City	CHAMPAIGN
State	IL
Zip	61822-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 428 IRONWOOD WEST IV SUB
Legal Range	08E
Legal Township	19N
Legal Section	20
Legal Subdivision	IRONWOOD WEST IV SUB
Legal Lot Number	428
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1028
Census Tract	1205

Owner

2112 Emerald Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2112 EMERALD DR, CHAMPAIGN, IL 61822-3533
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
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage HICKORY PT BK&TR
Jul 24, 2017	Trustee's Deed, Construction Loan · Line of Credit HICKORY PT BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	May 25, 2012 · Amount on File
Deed Document Number	201714115
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2112 EMERALD DR, CHAMPAIGN, IL 61822-3533
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012149
Date	May 25, 2021
Instrument	2021R12149

Lender

Name	BUSEY BANK
Type	Bank
Address	61620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 31, 2017
Property Address	2112 EMERALD DR, CHAMPAIGN, IL 61822-3533
Document Number	0000014115
Instrument Date	Jul 28, 2017
Instrument	14115
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2112 EMERALD DR CHAMPAIGN IL 618223533, CHAMPAIGN, IL 61822-3533

Mortgage

Document Number	14116
Date	Jul 31, 2017
Instrument	14116

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 30, 2032

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 24, 2017
Property Address	2112 EMERALD DR, CHAMPAIGN, IL 61822-3533
Instrument Date	Jul 11, 2017
Instrument	13608
Transaction Type	Construction Loan
Record Updated	Sep 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2112 EMERALD DR CHAMPAIGN IL 618223533, CHAMPAIGN, IL 61822-3533

Mortgage

Document Number	0000013608
Date	Jul 24, 2017
Instrument	13608

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 23, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$164,590 Land $27,520 Building $137,070	$493,770 Land $82,560 Building $411,210
2024	$12,368.00
2022	$11,179.00 Homeowner's exemption	$125,900 Land $21,050 Building $104,850	$377,700 Land $63,150 Building $314,550

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 2112 Emerald Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2112 Emerald Dr 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	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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