3204 Florence Dr, Champaign, IL 61822 Property Records

Champaign County property record for 3204 Florence Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.235 acres (10,217 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Oct 2019)
Tax Bill	$6,758 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-09-222-005`

Property Details

APN / Parcel Number

Primary APN	`41-20-09-222-005`

Exterior

Lot Area	10,217 sqft (0.235 acres)

Location & Zoning

Street Address	3204 FLORENCE DR
City	CHAMPAIGN
State	IL
Zip	61822-8010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 336 TIMBERLINE VALLEY SOUTH SUB NO 3
Legal Range	08E
Legal Township	19N
Legal Section	09
Legal Subdivision	TIMBERLINE VALLEY SOUTH SUB NO 3
Legal Lot Number	336
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3052
Census Tract	902

Owner

3204 Florence Dr is owned and occupied by two individuals who bought it in October 2019.

Source: Champaign County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Oct 21, 2019	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2019 · Amount on File
Deed Sale	Oct 21, 2019 · Amount on File
Prior Sale	Dec 30, 2008 · Amount on File
Deed Document Number	201917483
Prior Transfer Date	Apr 28, 2016
Prior Transfer Doc	0000007199
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010

Mortgage

Document Number	0000014591
Date	Oct 11, 2023
Instrument	2023R14591

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021277
Date	Oct 15, 2020
Instrument	2020R21277

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.87%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 21, 2019
Property Address	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010
Document Number	0000017483
Map Reference	DOC 2000R24988
Instrument Date	Oct 18, 2019
Instrument	2019R17483
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	$262.50
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	3204 FLORENCE DR, CHAMPAIGN, IL 61822-8010

Mortgage

Document Number	0000017484
Date	Oct 21, 2019
Instrument	2019R17484

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.99%
Index	1-Year LIBOR
Max Rate	9.99%

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		$92,400 Land $20,540 Building $71,860	$277,200 Land $61,620 Building $215,580
2024	$6,758.00
2022	$5,811.00 Homeowner's exemption	$69,200 Land $15,390 Building $53,810	$207,600 Land $46,170 Building $161,430

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 3204 Florence Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	5 in force

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 3204 Florence 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Mediacom Xtream Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Nextlink, Pavlov Media.

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