2905 River Oak Dr, Champaign, IL 61822 Property Records

Champaign County property record for 2905 River Oak Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.346 acres (15,062 sqft)
Owner	Individual Name on File
Last Sale	$313,000 (Oct 2008)
Tax Bill	$9,927 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-20-27-301-012`

Property Details

APN / Parcel Number

Primary APN	`46-20-27-301-012`

Exterior

Lot Area	15,062 sqft (0.346 acres)

Location & Zoning

Street Address	2905 RIVER OAK DR
City	CHAMPAIGN
State	IL
Zip	61822-7579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 302 CHERRY HILLS 7TH ADD
Legal Range	08E
Legal Township	19N
Legal Section	27
Legal Subdivision	CHERRY HILLS 7TH ADD
Legal Lot Number	302
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1032
Census Tract	1204

Owner

2905 River Oak Dr is owned and occupied by an individual who acquired it in March 2017.

Source: Champaign County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2905 RIVER OAK DR, CHAMPAIGN, IL 61822-7579
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Apr 6, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2008 · Amount on File
Deed Sale	Oct 29, 2008 · Amount on File
Prior Sale	Oct 29, 2008 · Amount on File
Deed Document Number	200827502
Last Transfer Date	Mar 21, 2017
Transfer Doc	0000005904
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2905 RIVER OAK DR, CHAMPAIGN, IL 61822-7579
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020118
Date	Aug 20, 2021
Instrument	2021R20118

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	2905 RIVER OAK DR, CHAMPAIGN, IL 61822-7579
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003716
Date	Mar 9, 2020
Instrument	2020R03716

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 6, 2017
Property Address	2905 RIVER OAK DR, CHAMPAIGN, IL 61822-7579
Document Number	0000005904
Map Reference	MB BB PG249
Instrument Date	Mar 21, 2017
Instrument	2017R05904
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 RIVER OAK DR, CHAMPAIGN, IL 61822-7579

Mortgage

Document Number	0000005905
Date	Apr 6, 2017
Instrument	2017R05905

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$134,460 Land $26,860 Building $107,600	$403,380 Land $80,580 Building $322,800
2024	$9,927.00
2022	$8,706.00 Homeowner's exemption	$100,680 Land $20,110 Building $80,570	$302,040 Land $60,330 Building $241,710

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 2905 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.

Wildfire

The area around 2905 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.

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 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.

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