2412 E Elm St, Urbana, IL 61802 Property Records

Champaign County property record for 2412 E Elm St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1962
Lot Size	0.139 acres (6,048 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Nov 2020)
Tax Bill	$2,098 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-21-15-128-026`

Property Details

APN / Parcel Number

Primary APN	`30-21-15-128-026`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	925 sqft Living Area
Gross Area	1,233 sqft
1st Floor Area	925 sqft
Basement Area	925 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	A-Frame
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	6,048 sqft (0.139 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2412 E ELM ST
City	URBANA
State	IL
Zip	61802-4565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 SCOTTSWOOD
Legal Range	09E
Legal Township	19N
Legal Section	15
Legal Subdivision	SCOTTSWOOD
Legal Lot Number	56
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	URBANA
Census Block Group	3
Census Block	3006
Census Tract	5500

Owner

2412 E Elm St is owned and occupied by two individuals who bought it in November 2020.

Source: Champaign County records, as of September 11, 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	2412 E ELM ST, URBANA, IL 61802-4565
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
Nov 23, 2020	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Deed Document Number	202024562
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 28, 2026
Property Address	2412 E ELM ST, URBANA, IL 61802-4565
Document Number	0000013582
Instrument Date	Apr 21, 2026
Instrument	202613582
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2412 E ELM ST, URBANA, IL 61802-4565

Mortgage

Document Number	0000013582,
Date	Aug 28, 2026
Instrument	202613582

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	297 Months
Due	May 1, 2051

Interest

Rate	6.13%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 23, 2020
Property Address	2412 E ELM ST, URBANA, IL 61802-4565
Document Number	0000024562
Map Reference	MB N PG 96
Instrument Date	Nov 20, 2020
Instrument	2020R24562
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2412 E ELM ST, URBANA, IL 61802-4565

Mortgage

Document Number	0000024563
Date	Nov 23, 2020
Instrument	2020R24563

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$27,420 Land $3,660 Building $23,760	$82,260 Land $10,980 Building $71,280
2024	$2,098.00
2022	$1,920.00	$21,900 Land $2,930 Building $18,970	$65,700 Land $8,790 Building $56,910

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 2412 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

The area around 2412 E Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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