2910 River Oak Dr, Champaign, IL 61822 Property Records

Champaign County property record for 2910 River Oak Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.353 acres (15,371 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Apr 2023)
Tax Bill	$8,520 (2024)
Deeds & Mortgages	May 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-20-27-301-010`

Property Details

APN / Parcel Number

Primary APN	`46-20-27-301-010`

Exterior

Lot Area	15,371 sqft (0.353 acres)

Location & Zoning

Street Address	2910 RIVER OAK DR
City	CHAMPAIGN
State	IL
Zip	61822-7578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 300 CHERRY HILLS 7TH ADD
Legal Range	08E
Legal Township	19N
Legal Section	27
Legal Subdivision	CHERRY HILLS 7TH ADD
Legal Lot Number	300
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1032
Census Tract	1204

Owner

2910 River Oak Dr is owned and occupied by two individuals who bought it in April 2023.

Source: Champaign County records, as of May 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage FISHER NATIONAL BANK
Apr 24, 2023	Warranty Deed, Transfer · Conventional Mortgage FISHER NATIONAL BANK
Jun 2, 2020	Warranty Deed, Transfer · Conventional with PMI INB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Prior Sale	Jun 2, 2020 · Amount on File
Deed Document Number	20235013
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	May 6, 2026
Property Address	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578
Document Number	0000006661
Instrument Date	May 1, 2026
Instrument	20266661
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578

Mortgage

Document Number	0000006661,
Date	May 6, 2026
Instrument	20266661

Lender

Name	FISHER NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 24, 2023
Property Address	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578
Document Number	0000005013
Map Reference	DOC 93R21173
Instrument Date	Mar 29, 2023
Instrument	2023R05013
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
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	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578

Mortgage

Document Number	0000005014
Date	Apr 24, 2023
Instrument	2023R05014

Lender

Name	FISHER NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 2, 2020
Property Address	2910 RIVER OAK DR, CHAMPAIGN, IL 61822-7578
Document Number	0000009567
Instrument Date	Dec 5, 2019
Instrument	9567
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2910 RIVER OAK DR CHAMPAIGN IL 618227578, CHAMPAIGN, IL 61822-7578

Mortgage

Document Number	9568
Date	Jun 2, 2020
Instrument	9568

Lender

Name	INB NA
Address	SPRINGFIELD, IL 62701

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

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		$116,360 Land $25,110 Building $91,250	$349,080 Land $75,330 Building $273,750
2024	$8,520.00
2022	$7,460.00 Homeowner's exemption	$87,130 Land $18,800 Building $68,330	$261,390 Land $56,400 Building $204,990

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 2910 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 2910 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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