2804 Berniece Ct, Champaign, IL 61822 Property Records

Champaign County property record for 2804 Berniece Ct, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.359 acres (15,632 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Dec 2025)
Tax Bill	$5,441 (2024)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-34-103-015`

Property Details

APN / Parcel Number

Primary APN	`03-20-34-103-015`

Exterior

Lot Area	15,632 sqft (0.359 acres)

Location & Zoning

Street Address	2804 BERNIECE CT
City	CHAMPAIGN
State	IL
Zip	61822-7255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 ROLLING ACRES NO 4
Legal Range	08E
Legal Township	19N
Legal Section	34
Legal Subdivision	ROLLING ACRES NO 4
Legal Lot Number	13
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN
Census Block Group	1
Census Block	1058
Census Tract	1204

Owner

Source: Champaign County records, as of August 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	104 N STATE ST, CHAMPAIGN, IL 61820-3908
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Warranty Deed, Transfer · Line of Credit HICKORY POINT BANK & TRUST
Aug 9, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF FORREST
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	202519486
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 17, 2025
Property Address	2804 BERNIECE CT, CHAMPAIGN, IL 61822-7255
Document Number	0000019486
Map Reference	DOC 72R00495
Instrument Date	Dec 11, 2025
Instrument	2025R19486
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N STATE ST, CHAMPAIGN, IL 61820-3908

Mortgage

Document Number	0000019487
Date	Dec 17, 2025
Instrument	2025R19487

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 9, 2023
Property Address	2804 BERNIECE CT, CHAMPAIGN, IL 61822-7255
Document Number	0000011226
Map Reference	DOC 1972R00495
Instrument Date	Aug 4, 2023
Instrument	2023R11226
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 BERNIECE CT, CHAMPAIGN, IL 61822-7255

Mortgage

Document Number	0000011227
Date	Aug 9, 2023
Instrument	2023R11227

Lender

Name	FIRST STATE BANK OF FORREST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 30, 2020
Property Address	2804 BERNIECE CT, CHAMPAIGN, IL 61822-7255
Document Number	0000012029
Map Reference	MB X PG 56
Instrument Date	Jun 26, 2020
Instrument	2020R12029
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.00
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	2804 BERNIECE CT, CHAMPAIGN, IL 61822-7255
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012030
Date	Jun 30, 2020
Instrument	2020R12030

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Interest

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 Township
Unified School District	Champaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$91,960 (+12.6%) Land $13,550 Building $78,410	$275,880 (+12.6%) Land $40,650 Building $235,230
2024	$5,441.00 (+21.72%) Homeowner's exemption	$81,670 (+27.21%) Land $12,030 Building $69,640	$245,010 (+27.21%) Land $36,090 Building $208,920
2022	$4,470.00 Homeowner's exemption	$64,200 Land $10,360 Building $53,840	$192,600 Land $31,080 Building $161,520

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	2 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2014 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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 71 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Mediacom Xtream.

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