305 Flora Dr, Champaign, IL 61821 Property Records

Champaign County property record for 305 Flora Dr, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	1 ba · 759 sqft · built 1947
Lot Size	0.223 acres (9,709 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jul 2024)
Tax Bill	$1,640 (2024)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`42-20-11-452-003`

Property Details

APN / Parcel Number

Primary APN	`42-20-11-452-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	759 sqft Building Perimeter
1st Floor Area	759 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Stucco
Roof Material	Other
Lot Area	9,709 sqft (0.223 acres)
Garage Area	220 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	305 FLORA DR
City	CHAMPAIGN
State	IL
Zip	61821-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 3 ELMWOOD ADD TO CITY OF CHAMPAIGN
Legal Range	08E
Legal Township	19N
Legal Section	11
Legal Subdivision	ELMWOOD ADD TO CITY OF CHAMPAIGN
Legal Block	3
Legal Lot Number	6
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3007
Census Tract	1000

Owner

305 Flora Dr is owned and occupied by an individual who bought it in July 2024.

Source: Champaign County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	305 FLORA DR, CHAMPAIGN, IL 61821-3210
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
Jul 1, 2024	Warranty Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP
Feb 17, 2021	Warranty Deed, Transfer · Line of Credit LONGVIEW BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Oct 8, 2010 · Amount on File
Deed Document Number	20249480
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 1, 2024
Property Address	305 FLORA DR, CHAMPAIGN, IL 61821-3210
Document Number	0000009480
Map Reference	DOC 395730
Instrument Date	Jun 21, 2024
Instrument	2024R09480
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 FLORA DR, CHAMPAIGN, IL 61821-3210

Mortgage

Document Number	0000009481
Date	Jul 1, 2024
Instrument	2024R09481

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.62%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 17, 2021
Property Address	305 FLORA DR, CHAMPAIGN, IL 61821-3210
Document Number	0000003402
Map Reference	DOC375730MBGPG14
Instrument Date	Feb 5, 2021
Instrument	2021R03402
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ACT

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
Mail Care Of	FAST TRACK REALTY LLC
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003407
Date	Feb 17, 2021
Instrument	2021R03407

Lender

Name	LONGVIEW BANK
Type	Bank
Address	OGDEN, IL 61859

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 15, 2031

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		$86,100 Land $21,100 Building $65,000	$258,300 Land $63,300 Building $195,000
2024	$1,640.00
2022	$1,057.00 Homeowner's exemption	$39,740 Land $15,800 Building $23,940	$119,220 Land $47,400 Building $71,820

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

Flood

FEMA maps place 305 Flora 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	1 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 305 Flora 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 572 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 · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Pavlov Media.

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