312 Windstone Dr, Tolono, IL 61880 Property Records

Champaign County property record for 312 Windstone Dr, Tolono, IL 61880

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 940 sqft · built 2005
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$231,000 (Oct 2018)
Tax Bill	$5,347 (2024)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-26-26-251-017`

Property Details

APN / Parcel Number

Primary APN	`29-26-26-251-017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	940 sqft Living Area
Gross Area	2,642 sqft
Basement Area	940 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	7,150 sqft (0.164 acres)
Garage Type	Attached
Garage Area	762 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 WINDSTONE DR
City	TOLONO
State	IL
Zip	61880-9678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 WINDSTONE SUB
Legal Range	08E
Legal Township	18N
Legal Section	26
Legal Subdivision	WINDSTONE SUB
Legal Lot Number	40
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	TOLONO
Census Block Group	1
Census Block	1068
Census Tract	10902

Owner

312 Windstone Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF ILLINOIS COMMUNITY CU
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Apr 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Oct 30, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Prior Sale	Sep 7, 2004 · Amount on File
Deed Document Number	201818683
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002006
Date	Feb 21, 2023
Instrument	2023R02006

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 20, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009479
Date	Apr 26, 2021
Instrument	2021R09479

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.5%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006810
Date	Apr 20, 2017
Instrument	2017R06810

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001214
Date	Jan 23, 2020
Instrument	2020R01214

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 30, 2018
Property Address	312 WINDSTONE DR, TOLONO, IL 61880-9678
Document Number	0000018683
Map Reference	DOC2002R37734
Instrument Date	Oct 29, 2018
Instrument	2018R18683
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	312GWINDSTONE DR, TOLONO, IL 61880

Mortgage

Document Number	0000018684
Date	Oct 30, 2018
Instrument	2018R18684

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Tolono Township
Municipality	Tolono Village
Unified School District	Tolono Community Unit School District 7 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$98,760 (+8.1%) Land $13,890 Building $84,870	$296,280 (+8.1%) Land $41,670 Building $254,610
2024	$5,347.00 (+6.2%)	$91,360 Land $12,850 Building $78,510	$274,080 Land $38,550 Building $235,530
2023	$5,035.00 (+5.84%)
2022	$4,757.00 Homeowner's exemption	$78,840 Land $11,090 Building $67,750	$236,520 Land $33,270 Building $203,250

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 312 Windstone Dr 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

Wildfire risk around 312 Windstone Dr 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 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-TOLONO serves 3,604 people · EPA ID IL0191000
Water Source	Purchased groundwater from IL AMERICAN-CHAMPAIGN
Last State Inspection	Sep 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021
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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
MF Wireless Fixed Wireless	100 / 20

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