Champaign County property record for 312 Capitol St, Savoy, IL 61874
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.204 acres (8,886 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Oct 2023) |
| Tax Bill | $9,316 (2025) |
| Deeds & Mortgages | Oct 2023 Sale Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-20-35-308-010 |
| Primary APN | 03-20-35-308-010 |
|---|
| Lot Area | 8,886 sqft (0.204 acres) |
|---|
| Street Address | 312 CAPITOL ST |
|---|---|
| City | SAVOY |
| State | IL |
| Zip | 61874-8732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 386 LIBERTY ON THE LAKE 2 PHASE 1 |
| Legal Range | 08E |
| Legal Township | 19N |
| Legal Section | 35 |
| Legal Subdivision | LIBERTY ON THE LAKE 2 PHASE 1 |
| Legal Lot Number | 386 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CHAMPAIGN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 1302 |
312 Capitol St is owned and occupied by two individuals who bought it in October 2023.
Source: Champaign County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 10, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 3, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| May 4, 2018 | Corporation Deed, Subdivision Related Transfer · VA Mortgage PARAMOUNT BOND & MORTGAGE CO INC |
| Oct 30, 2017 | Warranty Deed, Construction Loan FIRST CMNTY TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2023 · Amount on File |
| Deed Sale | Oct 10, 2023 · Amount on File |
| Prior Sale | May 4, 2018 · Amount on File |
| Deed Document Number | 202314469 |
| Prior Transfer Date | Jul 30, 2013 |
| Prior Transfer Doc | 0000018439 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Oct 10, 2023 |
| Property Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Document Number | 0000014469 |
| Map Reference | DOC 2008R029944 |
| Instrument Date | Oct 4, 2023 |
| Instrument | 2023R14469 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014027 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021R14027 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate | 2.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010481 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 2019R10481 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | May 4, 2018 |
| Property Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Document Number | 0000007093 |
| Map Reference | DOC2008 R 29944 |
| Instrument Date | Feb 13, 2018 |
| Instrument | 2018R07093 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | FIRST COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Document Number | 0000007094 |
|---|---|
| Date | May 4, 2018 |
| Instrument | 2018R07094 |
| Name | PARAMOUNT BOND & MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Oct 30, 2017 |
| Property Address | 312 CAPITOL ST, SAVOY, IL 61874-8732 |
| Document Number | 0000020625 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 20625 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 3, 2018 |
| Title Company | FIRST CMNTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $55.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4120 BELMONT PT CHAMPAIGN IL 618223506, CHAMPAIGN, IL 61822-3506 |
The 2025 property tax bill for 312 Capitol St was $9,316, up 8.6% from the year before.
Source: Champaign County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Champaign County |
| County Subdivision | Champaign Township |
| Municipality | Savoy Village |
| Unified School District | Champaign Community Unit School District 4 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,316.00 (+8.63%) | $138,150 Land $28,250 Building $109,900 | $414,450 Land $84,750 Building $329,700 |
| 2024 | $8,576.00 | ||
| 2022 | $7,384.00 Homeowner's exemption Senior Citizen's exemption | $105,680 Land $21,610 Building $84,070 | $317,040 Land $64,830 Building $252,210 |
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.
FEMA maps place 312 Capitol St in Zone X, an area of minimal flood risk.
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 risk around 312 Capitol St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Mediacom Xtream Fixed Wireless | 100 / 20 |
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