3901 Obsidian Dr, Champaign, IL 61822 Property Records

Champaign County property record for 3901 Obsidian Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.151 acres (6,606 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jul 2025)
Tax Bill	$8,933 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Oct 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-04-324-020`

Property Details

APN / Parcel Number

Primary APN	`41-20-04-324-020`

Exterior

Lot Area	6,606 sqft (0.151 acres)

Location & Zoning

Street Address	3901 OBSIDIAN DR
City	CHAMPAIGN
State	IL
Zip	61822-4210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2020R04224
Legal Subdivision	BOULDEREZIDGE 7
Legal Lot Number	2020R
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	2
Census Block	2001
Census Tract	902

Owner

3901 Obsidian Dr is owned and occupied by an individual who bought it in July 2025.

Source: Champaign County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 2, 2025	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Oct 26, 2021	Deed of Trust, Mortgage · Construction Mortgage MARINE BANK SPRINGFIELD
Mar 24, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2025 · Amount on File
Deed Sale	Jul 2, 2025 · Amount on File
Prior Sale	Mar 24, 2022 · Amount on File
Deed Document Number	20259430
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 2, 2025
Property Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210
Document Number	0000009430
Map Reference	DOC 2020R4224
Instrument Date	Jun 30, 2025
Instrument	2025R09430
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210

Mortgage

Document Number	0000009431
Date	Jul 2, 2025
Instrument	2025R09431

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.87%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025501
Date	Oct 26, 2021
Instrument	2021R25501

Lender

Name	MARINE BANK SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62704

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 24, 2022
Property Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210
Document Number	0000005387
Map Reference	DOC 2020R04224
Instrument Date	Mar 10, 2022
Instrument	2022R05387
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3901 OBSIDIAN DR, CHAMPAIGN, IL 61822-4210
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005388
Date	Mar 24, 2022
Instrument	2022R05388

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate	3.12%

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		$126,230 Land $17,140 Building $109,090	$378,690 Land $51,420 Building $327,270
2024	$8,933.00
2022	$2,940.00	$33,240 Land $12,840 Building $20,400	$99,720 Land $38,520 Building $61,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3901 Obsidian Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2009 · rainfall accumulation

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

Wildfire risk around 3901 Obsidian Dr is low, with less than a 0.01% annual chance of 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 313 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	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Mediacom Xtream Fixed Wireless	100 / 20

May also be available: Nextlink.

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