305 E White St, Champaign, IL 61820 Property Records

Champaign County property record for 305 E White St, Champaign, IL 61820

Property Summary

Property Type	Commercial
Lot Size	0.203 acres (8,832 sqft)
Owner	Company Name on Record
Last Sale	$2,450,000 (Jun 2019)
Tax Bill	$30,152 (2024)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46-21-07-361-003`

Property Details

APN / Parcel Number

Primary APN	`46-21-07-361-003`

Interior

Units	20 Units

Exterior

Architectural Style	Multi-Family
Lot Area	8,832 sqft (0.203 acres)

Location & Zoning

Street Address	305 E WHITE ST
City	CHAMPAIGN
State	IL
Zip	61820-4232
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 5 BLOCK 3 KIRKPATRICKS, J.C. 2ND ADD, SUB OF BLK 3
Legal Range	09E
Legal Township	19N
Legal Section	07
Legal Subdivision	KIRKPATRICKS, J.C. 2ND ADD, SUB OF BLK 3
Legal Block	3
Legal Lot Number	5
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3006
Census Tract	302

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	Company Name on Record
Mailing Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed, Transfer · Commercial Mortgage FIRST MID BANK & TRUST NA
Dec 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage MORTON COMMUNITY BANK
Mar 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage MORTON COMMUNITY BANK
Jun 14, 2019	Grant Deed, Foreclosure ATTORNEY ONLY
Jun 14, 2019	Grant Deed, Construction Loan · Line of Credit TCF NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Jul 21, 2014
Deed Document Number	20199033
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 9, 2022
Property Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Document Number	0000010573
Map Reference	MB A PG 189A
Instrument Date	Jun 7, 2022
Instrument	2022R10573
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 S NEIL ST, CHAMPAIGN, IL 61820-5220

Mortgage

Document Number	0000010571
Date	Jun 9, 2022
Instrument	2022R10571

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 9, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022898
Date	Dec 7, 2017
Instrument	2017R22898

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003723
Date	Mar 14, 2018
Instrument	2018R03723

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 14, 2019
Property Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Document Number	0000009033
Instrument Date	Jun 12, 2019
Instrument	9033
Transaction Type	Foreclosure
Record Updated	Jul 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	305 E WHITE ST CHAMPAIGN IL 618204232, CHAMPAIGN, IL 61820-4232
Investor	Possibly a Property Investor

June 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 14, 2019
Property Address	305 E WHITE ST, CHAMPAIGN, IL 61820-4232
Instrument Date	Apr 3, 2019
Instrument	9037
Transaction Type	Construction Loan
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	510 S NEIL ST CHAMPAIGN IL 618205220, CHAMPAIGN, IL 61820-5220

Mortgage

Document Number	0000009037
Date	Jun 14, 2019
Instrument	9037

Lender

Name	TCF NAT'L BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 13, 2022

Interest

Rate Type	Adjustable Rate

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		$359,460 (+3.96%) Land $142,400 Building $217,060	$1,078,380 (+3.96%) Land $427,200 Building $651,180
2024	$30,152.00 (+6.18%)	$345,770 (+19.03%) Land $126,920 Building $218,850	$1,037,310 (+19.03%) Land $380,760 Building $656,550
2023	$28,398.00 (+6.31%)
2022	$26,713.00	$290,500 Land $106,630 Building $183,870	$871,500 Land $319,890 Building $551,610

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Pavlov Media Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Nextlink, Volo.net Internet+Tech.

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