Champaign County property record for 3403 Memory Ln, Urbana, IL 61802
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Nov 2021) |
| Tax Bill | $2,768 (2024) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Sep 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 93-21-28-426-017 |
| Primary APN | 93-21-28-426-017 |
|---|
| Lot Area | 5,663 sqft (0.13 acres) |
|---|
| Street Address | 3403 MEMORY LN |
|---|---|
| City | URBANA |
| State | IL |
| Zip | 61802-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 622B THE COTTAGES AT SOUTH RIDGE 2 |
| Legal Range | 09E |
| Legal Township | 19N |
| Legal Section | 28 |
| Legal Subdivision | THE COTTAGES AT SOUTH RIDGE 2 |
| Legal Lot Number | 622B |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 5702 |
Source: Champaign County assessment roll, APN 93-21-28-426-017, as of April 29, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3403 MEMORY LN, URBANA, IL 61802-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BUSEY BANK |
| Sep 15, 2021 | Deed, Construction Loan · Construction Mortgage IROQUOIS FSLA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 16, 2021 · Amount on Record |
| Deed Sale | Nov 16, 2021 · Amount on Record |
| Prior Sale | Sep 15, 2021 · Amount on Record |
| Deed Document Number | 202127123 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Nov 16, 2021 |
| Property Address | 3403 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000027123 |
| Map Reference | DOC 2014R09677 |
| Instrument Date | Nov 16, 2021 |
| Instrument | 2021R27123 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 N CHESTNUT ST STE 200, 200, CHAMPAIGN, IL 61820-3755 |
| Document Number | 0000027124 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 2021R27124 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.12% |
| Index | 1-Year LIBOR |
| Max Rate | 9.12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Sep 15, 2021 |
| Property Address | 3403 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000022111 |
| Map Reference | DOC 2014R09677 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021R22111 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 25, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $26.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 S LA SALLE ST # ST2750, ST2750, CHICAGO, IL 60603-1002 |
| Name | Verified Name |
|---|---|
| Address | 1601 E LEXINGTON DR, URBANA, IL 61802-7042 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022112 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021R22112 |
| Name | IROQUOIS FSLA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Champaign County assessment roll as of April 29, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Champaign County |
| County Subdivision | Cunningham Township |
| Municipality | Urbana City |
| Unified School District | Urbana School District 116 (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $98,090 (+151.19%) Land $12,590 Building $85,500 | $294,270 (+151.19%) Land $37,770 Building $256,500 | |
| 2024 | $2,768.00 (-34.66%) | ||
| 2022 | $4,236.00 | $39,050 Land $10,000 Building $29,050 | $117,150 Land $30,000 Building $87,150 |
Source: FEMA National Flood Hazard Layer, Champaign County (17019C), as of July 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170190057021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1998) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 1998 · other causes |
| 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 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.
Source: FCC Broadband Data Collection, 333 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System, water system IL0195300, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | IL AMERICAN-CHAMPAIGN private · serves 150,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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