3 High St, Urbana, IL 61802 Property Records

Champaign County property record for 3 High St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1962
Lot Size	0.19 acres (8,262 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Oct 2023)
Tax Bill	$1,667 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`30-21-15-130-016`

Property Details

APN / Parcel Number

Primary APN	`30-21-15-130-016`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
Gross Area	1,225 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	8,262 sqft (0.19 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3 HIGH ST
City	URBANA
State	IL
Zip	61802-4537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 175 SCOTTSWOOD 4TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	15
Legal Subdivision	SCOTTSWOOD 4TH SUB
Legal Lot Number	175
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	URBANA
Census Block Group	3
Census Block	3016
Census Tract	5500

Owner

3 High St is owned and occupied by an individual who bought it in October 2023.

Source: Champaign County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	3 HIGH ST, URBANA, IL 61802-4537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Mar 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Oct 12, 2023	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Mar 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST FSB OF CHAMPAIGN URBANA
Sep 8, 2020	Deed of Trust, Mortgage · Line of Credit IROQUOIS FED'L S&L ASSN
Apr 14, 2020	Warranty Deed, Transfer · Line of Credit IROQUOIS FSLA
Feb 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2023 · Amount on File
Deed Sale	Oct 12, 2023 · Amount on File
Prior Sale	Apr 14, 2020 · Amount on File
Deed Document Number	202314658
Prior Transfer Date	Oct 30, 2009
Prior Transfer Doc	0000032129
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HIGH ST, URBANA, IL 61802-4537

Mortgage

Document Number	0000003150
Date	Mar 5, 2026
Instrument	2026R03150

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.25%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 12, 2023
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Document Number	0000014658
Map Reference	MB O PG 11
Instrument Date	Oct 3, 2023
Instrument	2023R14658
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HIGH ST, URBANA, IL 61802-4537

Mortgage

Document Number	0000014659
Date	Oct 12, 2023
Instrument	2023R14659

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.95%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006191
Date	Mar 17, 2021
Instrument	2021R06191

Lender

Name	FIRST FSB OF CHAMPAIGN URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Document Number	0000021721
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3 HIGH ST URBANA IL 618024537, URBANA, IL 61802-4537
Investor	Possibly a Property Investor

Mortgage

Document Number	0000021721
Date	Oct 21, 2020
Instrument	21721

Lender

Name	IROQUOIS FED'L S&L ASSN
Address	CHAMPAIGN, IL 61822

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 14, 2020
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Document Number	0000005770
Map Reference	MB O PG11 DOC698048
Instrument Date	Apr 7, 2020
Instrument	2020R05770
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 CROSSING CT STE B, B, CHAMPAIGN, IL 61822-5900
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005771
Date	Apr 14, 2020
Instrument	2020R05771

Lender

Name	IROQUOIS FSLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 21, 2020
Property Address	3 HIGH ST, URBANA, IL 61802-4537
Document Number	0000002757
Instrument Date	Jan 6, 2020
Instrument	2757
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	99 BARNES RD HARRISBURG IL 629465274, HARRISBURG, IL 62946-5274

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		$28,270 Land $3,660 Building $24,610	$84,810 Land $10,980 Building $73,830
2024	$1,667.00
2022	$1,979.00	$22,580 Land $2,930 Building $19,650	$67,740 Land $8,790 Building $58,950

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 3 High 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 3 High 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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