314 N Fair St, Champaign, IL 61821 Property Records

Champaign County property record for 314 N Fair St, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	1 ba · 756 sqft · built 1914
Lot Size	0.09 acres (3,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,500 (Feb 2023)
Tax Bill	$2,557 (2024)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-20-11-326-007`

Property Details

APN / Parcel Number

Primary APN	`41-20-11-326-007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	756 sqft Building Perimeter
1st Floor Area	756 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Stucco
Roof Material	Other
Lot Area	3,934 sqft (0.09 acres)
Garage Type	Detached
Garage Area	170 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	314 N FAIR ST
City	CHAMPAIGN
State	IL
Zip	61821-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLOCK 1 WILSON PLACE
Legal Range	08E
Legal Township	19N
Legal Section	11
Legal Subdivision	WILSON PLACE
Legal Block	1
Legal Lot Number	7
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	5
Census Block	5004
Census Tract	1000

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	2 Individual Names on Record
Mailing Address	314 N FAIR ST, CHAMPAIGN, IL 61821-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Warranty Deed, Transfer · Conventional Mortgage HICKORY POINT BANK & TRUST
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2023 · Amount on Record
Deed Sale	Feb 9, 2023 · Amount on Record
Prior Sale	Sep 21, 2020 · Amount on Record
Deed Document Number	20231666
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 9, 2023
Property Address	314 N FAIR ST, CHAMPAIGN, IL 61821-2421
Document Number	0000001666
Instrument Date	Feb 9, 2023
Instrument	2023R01666
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	314 N FAIR ST, CHAMPAIGN, IL 61821-2421

Mortgage

Document Number	0000001667
Date	Feb 9, 2023
Instrument	2023R01667

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 21, 2020
Property Address	314 N FAIR ST, CHAMPAIGN, IL 61821-2421
Document Number	0000019058
Map Reference	MB D PG1 DOC103449
Instrument Date	Sep 8, 2020
Instrument	2020R19058
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 N FAIR ST, CHAMPAIGN, IL 61821-2421

Mortgage

Document Number	0000019059
Date	Sep 21, 2020
Instrument	2020R19059

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

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		$39,640 (+33.56%) Land $5,620 Building $34,020	$118,920 (+33.56%) Land $16,860 Building $102,060
2024	$2,557.00 (-6.3%)
2022	$2,729.00	$29,680 Land $4,210 Building $25,470	$89,040 Land $12,630 Building $76,410

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

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	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-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 528 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Nextlink, Pavlov Media.

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