Champaign County property record for 3409 Memory Ln, Urbana, IL 61802
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jul 2023) |
| Tax Bill | $2,658 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2022 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 93-21-28-426-023 |
| Primary APN | 93-21-28-426-023 |
|---|
| Lot Area | 5,663 sqft (0.13 acres) |
|---|
| Street Address | 3409 MEMORY LN |
|---|---|
| City | URBANA |
| State | IL |
| Zip | 61802-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 625B THE COTTAGES AT SOUTH RIDGE 4 |
| Legal Range | 09E |
| Legal Township | 19N |
| Legal Section | 28 |
| Legal Subdivision | THE COTTAGES AT SOUTH RIDGE 4 |
| Legal Lot Number | 625B |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 5702 |
Source: Champaign County assessment roll, 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 File |
|---|---|
| Mailing Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY LLC |
| Jan 12, 2022 | Deed, Construction Loan · Construction Mortgage IROQUOIS FSLA |
| Jan 6, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FISHER NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2023 · Amount on Record |
| Deed Sale | Jul 14, 2023 · Amount on Record |
| Prior Sale | Jan 12, 2022 · Amount on Record |
| Deed Document Number | 20239604 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jul 14, 2023 |
| Property Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000009604 |
| Map Reference | DOC 2014R09679 |
| Instrument Date | May 20, 2023 |
| Instrument | 2023R09604 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000009605 |
|---|---|
| Date | Jul 14, 2023 |
| Instrument | 2023R09605 |
| Name | GUILD MORTGAGE COMPANY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jan 12, 2022 |
| Property Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000000750 |
| Map Reference | DOC 2014R09678 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022R00750 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 25, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE LAND TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $26.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1601 E LEXINGTON DR, URBANA, IL 61802-7042 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000751 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022R00751 |
| Name | IROQUOIS FSLA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jan 10, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jan 6, 2022 |
| Property Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000000438 |
| Map Reference | DOC 2014R9679 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 2022R00438 |
| 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 |
|---|---|
| Relationship | Living Trust |
| Address | 3409 MEMORY LN, URBANA, IL 61802-7803 |
| Document Number | 0000000439 |
|---|---|
| Date | Jan 6, 2022 |
| Instrument | 2022R00439 |
| Name | FISHER NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Rate | 3.12% |
|---|
Source: Champaign County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Champaign County |
| County Subdivision | Cunningham Township |
| Municipality | Urbana City |
| Unified School District | Urbana School District 116 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $93,720 (+277.75%) Land $12,590 Building $81,130 | $281,160 (+277.75%) Land $37,770 Building $243,390 | |
| 2024 | $2,658.00 (-1.37%) | ||
| 2022 | $2,695.00 | $24,810 Land $10,000 Building $14,810 | $74,430 Land $30,000 Building $44,430 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Claims | 2 (1998) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 1998 · other causes |
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: 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 |
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 333 locations within half a mile, as of December 31, 2025
| 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 |
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