2208 E Main St, Urbana, IL 61802 Property Records

Champaign County property record for 2208 E Main St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,281 sqft · built 1924
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2021)
Tax Bill	$7,582 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`91-21-10-353-012`

Property Details

APN / Parcel Number

Primary APN	`91-21-10-353-012`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,281 sqft Building Perimeter
1st Floor Area	1,281 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Brick Veneer
Roof Material	Other
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	103 ft deep x 104 ft wide
Garage Type	Detached
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	2208 E MAIN ST
City	URBANA
State	IL
Zip	61802-2852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 1 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	1
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1005
Census Tract	5500

Owner

Source: Champaign County records, 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	2 Individual Names on Record
Mailing Address	2208 E MAIN ST, URBANA, IL 61802-2852
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage CATLIN BANK
Oct 17, 2018	Loan Modification, Mortgage CATLIN BK
Oct 16, 2017	Trustee's Deed, Construction Loan · Construction Mortgage CATLIN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	20219049
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 20, 2021
Property Address	2208 E MAIN ST, URBANA, IL 61802-2852
Document Number	0000009049
Map Reference	MB B PG 210C
Instrument Date	Apr 14, 2021
Instrument	2021R09049
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
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	2208 E MAIN ST, URBANA, IL 61802-2852

Mortgage

Document Number	0000009051
Date	Apr 20, 2021
Instrument	2021R09051

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2208 E MAIN ST, URBANA, IL 61802-2852
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014328
Date	Sep 3, 2019
Instrument	2019R14328

Lender

Name	CATLIN BANK
Type	Bank
Address	CATLIN, IL 61817

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	2208 E MAIN ST, URBANA, IL 61802-2852
Document Number	0000018082
Instrument Date	Oct 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 S PFEFFER RD URBANA IL 618024642, URBANA, IL 61802-4642

Mortgage

Document Number	0000018082
Date	Oct 19, 2018
Instrument	18082

Lender

Name	CATLIN BK
Address	CATLIN, IL 61817

Agreement

Term	12 Months
Due	Oct 18, 2019

Interest

Rate	5.5%

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 16, 2017
Property Address	2208 E MAIN ST, URBANA, IL 61802-2852
Instrument Date	Oct 6, 2017
Instrument	19712
Transaction Type	Construction Loan
Record Updated	Nov 29, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2208 E MAIN ST URBANA IL 618022852, URBANA, IL 61802-2852

Mortgage

Document Number	0000019712
Date	Oct 16, 2017
Instrument	19712

Lender

Name	CATLIN BK
Address	CATLIN, IL 61817

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 15, 2018

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		$87,790 (+31.52%) Land $12,460 Building $75,330	$263,370 (+31.52%) Land $37,380 Building $225,990
2024	$7,582.00 (+15.18%)
2022	$6,583.00 Homeowner's exemption	$66,750 Land $9,900 Building $56,850	$200,250 Land $29,700 Building $170,550

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

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	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 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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