398 Highland Dr, Rantoul, IL 61866 Property Records

Champaign County property record for 398 Highland Dr, Rantoul, IL 61866

Property Summary

Property Type	Single Family Home
Lot Size	0.295 acres (12,851 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Oct 2023)
Tax Bill	$4,920 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-09-03-204-023`

Property Details

APN / Parcel Number

Primary APN	`20-09-03-204-023`

Exterior

Lot Area	12,851 sqft (0.295 acres)

Location & Zoning

Street Address	398 HIGHLAND DR
City	RANTOUL
State	IL
Zip	61866-2244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 SUNSET TERRACE
Legal Range	09E
Legal Township	21N
Legal Section	03
Legal Subdivision	SUNSET TERRACE
Legal Lot Number	18
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	RANTOUL
Census Block Group	5
Census Block	5017
Census Tract	10204

Owner

398 Highland Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Champaign County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 19, 2023	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Sep 14, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Dec 21, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Oct 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on File
Deed Sale	Oct 19, 2023 · Amount on File
Prior Sale	Dec 21, 2018 · Amount on File
Deed Document Number	202315014
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244

Mortgage

Document Number	0000016711
Date	Oct 31, 2025
Instrument	2025R16711

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	5.99%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 19, 2023
Property Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Document Number	0000015014
Map Reference	MB L PG 1
Instrument Date	Oct 18, 2023
Instrument	2023R15014
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
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	398 HIGHLAND DR, RANTOUL, IL 61866-2244

Mortgage

Document Number	0000015015
Date	Oct 19, 2023
Instrument	2023R15015

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%
Change Frequency	10 Years

Mortgage

Document Number	0000015016
Date	Oct 19, 2023
Instrument	2023R15016

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2028

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244

Mortgage

Document Number	0000021942
Date	Sep 14, 2021
Instrument	2021R21942

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Jan 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 21, 2018
Property Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Document Number	0000021759
Map Reference	MB L PG 1
Instrument Date	Dec 14, 2018
Instrument	2018R21759
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	$155.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244

Mortgage

Document Number	0000021760
Date	Dec 21, 2018
Instrument	2018R21760

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.73%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	398 HIGHLAND DR, RANTOUL, IL 61866-2244
Document Number	0000021374
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 HIGHLAND DR RANTOUL IL 618662244, RANTOUL, IL 61866-2244

Mortgage

Document Number	0000021374
Date	Nov 13, 2017
Instrument	21374

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON DC, WA 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Rantoul Township
Municipality	Rantoul Village
Elementary School District	Rantoul City School District 137 (KG - 08)
Secondary School District	Rantoul Township High School District 193 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$42,510 Land $12,090 Building $30,420	$127,530 Land $36,270 Building $91,260
2024	$4,920.00
2022	$4,239.00 Homeowner's exemption	$45,970 Land $8,770 Building $37,200	$137,910 Land $26,310 Building $111,600

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 398 Highland Dr 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.

Wildfire

The area around 398 Highland 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	RANTOUL serves 13,000 people · EPA ID IL0190650
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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