304 E Holmes St, Urbana, IL 61801 Property Records

Champaign County property record for 304 E Holmes St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,059 sqft · built 1973
Lot Size	0.186 acres (8,118 sqft)
Owner	Individual Name on Record
Tax Bill	$8,062 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`93-21-20-432-019`

Property Details

APN / Parcel Number

Primary APN	`93-21-20-432-019`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,059 sqft Building Perimeter
1st Floor Area	2,059 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Roof Material	Other
Lot Area	8,118 sqft (0.186 acres)
Lot Dimensions	99 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	648 sqft
Driveway	Concrete Driveway
Driveway Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	304 E HOLMES ST
City	URBANA
State	IL
Zip	61801-6732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 910 ENNIS RIDGE 19TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	20
Legal Subdivision	ENNIS RIDGE 19TH SUB
Legal Lot Number	910
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	4
Census Block	4006
Census Tract	5701

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	304 E HOLMES ST, URBANA, IL 61801-6732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 7, 2022
Property Address	304 E HOLMES ST, URBANA, IL 61801-6732
Document Number	0000010357
Map Reference	MB W PG 25
Instrument Date	May 16, 2022
Instrument	2022R10357
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E HOLMES ST, URBANA, IL 61801-6732

Mortgage

Document Number	0000010358
Date	Jun 7, 2022
Instrument	2022R10358

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	Other
Max Rate	8.62%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Cunningham Township
Municipality	Urbana City
Unified School District	Urbana School District 116 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$89,050 (+25.94%) Land $31,870 Building $57,180	$267,150 (+25.94%) Land $95,610 Building $171,540
2024	$8,062.00 (+24.74%)
2022	$6,463.00 Homeowner's exemption Senior Citizen's exemption	$70,710 Land $25,300 Building $45,410	$212,130 Land $75,900 Building $136,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Nextlink, T-Mobile.

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