Champaign County property record for 314 S State St, Champaign, IL 61820
| Property Type | Commercial |
|---|---|
| Details | 1 ba · 1,001 sqft · built 1893 |
| Lot Size | 0.204 acres (8,904 sqft) |
| Owner | Company Name on File |
| Last Sale | $450,000 (Jan 2019) |
| Tax Bill | $64,507 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-20-12-459-010 |
| Primary APN | 42-20-12-459-010 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Units | 4 Units |
| Stories | 1 Story |
| Building Area | 1,001 sqft Building Perimeter |
| 1st Floor Area | 1,001 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1893 |
| Architectural Style | Multi-Family |
| Exterior Material | Stucco |
| Roof Material | Other |
| Lot Area | 8,904 sqft (0.204 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Porch |
| Heating System | Central |
|---|
| Street Address | 314 S STATE ST |
|---|---|
| City | CHAMPAIGN |
| State | IL |
| Zip | 61820-4963 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 10 JOHNSONS REPLAT, REPLAT OF LOT 1, AND LOT 9 BLK 17, FARNHAM, CLARK AND WHITES ADD |
| Legal Range | 08E |
| Legal Township | 19N |
| Legal Section | 12 |
| Legal Subdivision | FARNHAM, CLARK AND WHITES ADD |
| Legal Block | 17 |
| Legal Lot Number | 10 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CHAMPAIGN CITY |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 11002 |
314 S State St, a commercial property, is owned by a company that bought it in January 2019.
Source: Champaign County records, as of May 22, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 302 W SPRINGFIELD AVE, CHAMPAIGN, IL 61820-4818 |
| Owner Type | Company |
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 |
|---|---|
| May 6, 2026 | Deed of Trust, Mortgage · Line of Credit PARK STATE BANK AND TRUST |
| Sep 29, 2022 | Deed of Trust, Mortgage · Line of Credit PRAIRIE STATE BANK & TRUST |
| Nov 23, 2020 | Deed of Trust, Mortgage · Line of Credit PRAIRIE STATE BANK & TRUST |
| Nov 4, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Sep 10, 2019 | Trustee's Deed, Construction Loan · Line of Credit ILLINOIS NAT'L BK |
| Jan 23, 2019 | Deed, Transfer · Commercial Mortgage ILLINOIS NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on File |
| Deed Sale | Jan 23, 2019 · Amount on File |
| Deed Document Number | 20191022 |
| Prior Transfer Date | Jan 16, 2008 |
| Prior Transfer Doc | 0000001803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | May 6, 2026 |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Document Number | 0000006665 |
| Instrument Date | May 4, 2026 |
| Instrument | 20266665 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000006665, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 20266665 |
| Name | PARK STATE BANK AND TRUST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 19, 2031 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000017898 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 2022R17898 |
| Name | PRAIRIE STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAVOY, IL 61874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 38 Months |
| Due | Nov 19, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000024610 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020R24610 |
| Name | PRAIRIE STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAVOY, IL 61874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 19, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Nov 4, 2020 |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Document Number | 0000022856 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 22856 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 212 W SPRINGFIELD AVE CHAMPAIGN IL 618204832, CHAMPAIGN, IL 61820-4832 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Sep 10, 2019 |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 14863 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 10, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 314 S STATE ST CHAMPAIGN IL 618204963, CHAMPAIGN, IL 61820-4963 |
| Document Number | 0000014863 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 14863 |
| Name | ILLINOIS NAT'L BK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 9, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jan 23, 2019 |
| Property Address | 314 S STATE ST, CHAMPAIGN, IL 61820-4963 |
| Document Number | 0000001022 |
| Map Reference | MB A PG 221 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 2019R01022 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $675.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1803 WOODFIELD DR, SAVOY, IL 61874-8815 |
| Document Number | 0000001023 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 2019R01023 |
| Name | ILLINOIS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Champaign County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $829,960 Land $22,270 Building $807,690 | $2,489,880 Land $66,810 Building $2,423,070 | |
| 2024 | $64,507.00 | ||
| 2022 | $37,361.00 | $621,500 Land $16,680 Building $604,820 | $1,864,500 Land $50,040 Building $1,814,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 S State 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.
The area around 314 S State St 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.
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 289 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 |
May also be available: Fidium Fiber, Nextlink, T-Mobile, Volo.net Internet+Tech.
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