Champaign County property record for 2903 River Oak Dr, Champaign, IL 61822
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.373 acres (16,260 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Sep 2022) |
| Tax Bill | $9,957 (2024) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-20-27-301-013 |
| Primary APN | 46-20-27-301-013 |
|---|
| Lot Area | 16,260 sqft (0.373 acres) |
|---|
| Street Address | 2903 RIVER OAK DR |
|---|---|
| City | CHAMPAIGN |
| State | IL |
| Zip | 61822-7579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 303 CHERRY HILLS 7TH ADD |
| Legal Range | 08E |
| Legal Township | 19N |
| Legal Section | 27 |
| Legal Subdivision | CHERRY HILLS 7TH ADD |
| Legal Lot Number | 303 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CHAMPAIGN CITY |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 1204 |
2903 River Oak Dr is owned and occupied by two individuals who bought it in September 2022.
Source: Champaign County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2903 RIVER OAK DR, CHAMPAIGN, IL 61822-7579 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on File |
| Deed Sale | Sep 9, 2022 · Amount on File |
| Deed Document Number | 202216777 |
| Prior Transfer Date | Jul 7, 2008 |
| Prior Transfer Doc | 0000018232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Sep 9, 2022 |
| Property Address | 2903 RIVER OAK DR, CHAMPAIGN, IL 61822-7579 |
| Document Number | 0000016777 |
| Map Reference | MB BB PG 249 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 2022R16777 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2903 RIVER OAK DR, CHAMPAIGN, IL 61822-7579 |
| Document Number | 0000016778 |
|---|---|
| Date | Sep 9, 2022 |
| Instrument | 2022R16778 |
| Name | PROSPECT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 6% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 12.1% |
Source: Champaign County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $134,850 Land $25,570 Building $109,280 | $404,550 Land $76,710 Building $327,840 | |
| 2024 | $9,957.00 | ||
| 2022 | $8,275.00 Homeowner's exemption Senior Citizen's exemption | $100,990 Land $19,150 Building $81,840 | $302,970 Land $57,450 Building $245,520 |
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.
FEMA maps place 2903 River Oak Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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.
The area around 2903 River Oak Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 361 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Mediacom Xtream, Nextlink.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures