2402 E Elm St, Urbana, IL 61802 Property Records

Champaign County property record for 2402 E Elm St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$79,000 (Sep 2024)
Tax Bill	$1,826 (2024)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91-21-15-126-004`

Property Details

APN / Parcel Number

Primary APN	`91-21-15-126-004`
Alternative APN	`302115126004`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	2402 E ELM ST
City	URBANA
State	IL
Zip	61802-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 115 SCOTTSWOOD 3RD SUB
Legal Range	09E
Legal Township	19N
Legal Section	15
Legal Subdivision	SCOTTSWOOD 3RD SUB
Legal Lot Number	115
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	3
Census Block	3008
Census Tract	5500

Owner

2402 E Elm St is owned and occupied by two individuals who bought it in September 2024.

Source: Champaign County records, as of April 29, 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	2402 E ELM ST, URBANA, IL 61802-4527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit VILLA GROVE STATE BANK
Sep 15, 2023	Contract Sale, Transfer ATTORNEY ONLY, ATTORNEY
Jun 9, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Sep 15, 2023
Deed Document Number	202413909
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2402 E ELM ST, URBANA, IL 61802-4527
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009962
Date	Jul 20, 2023
Instrument	2023R09962

Lender

Name	VILLA GROVE STATE BANK
Type	Bank
Address	VILLA GROVE, IL 61956

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jun 15, 2043

Interest

Rate Type	Adjustable Rate

September 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 15, 2023
Property Address	2402 E ELM ST, URBANA, IL 61802-4527
Document Number	0000013301
Map Reference	DOC 690663
Instrument Date	Jun 14, 2023
Instrument	2023R13301
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 S POPLAR ST, URBANA, IL 61802-4451

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 9, 2023
Property Address	2402 E ELM ST, URBANA, IL 61802-4527
Document Number	0000007515
Map Reference	DOC 690663
Instrument Date	Jun 5, 2023
Instrument	2023R07515
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$53.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 S POPLAR ST, URBANA, IL 61802-4451
Investor	Possibly a Property Investor

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		$24,800 Land $4,970 Building $19,830	$74,400 Land $14,910 Building $59,490
2024	$1,826.00
2022	$1,484.00	$19,700 Land $3,950 Building $15,750	$59,100 Land $11,850 Building $47,250

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 2402 E Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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 Claims	1 (1982)
Most Recent Claim	Jan 1982 · rainfall accumulation

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 2402 E Elm 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 96% of the US · lower than 74% 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 515 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fidium Fiber, Nextlink.

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