403 E McHenry St, Urbana, IL 61801 Property Records

Champaign County property record for 403 E McHenry St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,369 sqft · built 1973
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,000 (Jun 2017)
Tax Bill	$6,723 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`93-21-20-476-004`

Property Details

APN / Parcel Number

Primary APN	`93-21-20-476-004`

Interior

Full Baths	2 Baths
Building Area	1,369 sqft Building Perimeter
1st Floor Area	1,369 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Stucco
Roof Material	Other
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Driveway	Concrete Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	403 E MCHENRY ST
City	URBANA
State	IL
Zip	61801-6736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 872 ENNIS RIDGE 18TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	20
Legal Subdivision	ENNIS RIDGE 18TH SUB
Legal Lot Number	872
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	4
Census Block	4021
Census Tract	5701

Owner

Source: Champaign County records, 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 Record
Mailing Address	403 E MCHENRY ST, URBANA, IL 61801-6736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jun 12, 2017	Warranty Deed, Transfer · Conventional Mortgage ILLINOIS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Jul 3, 2008 · Amount on Record
Deed Document Number	201710347
Prior Transfer Date	Dec 9, 2011
Prior Transfer Doc	0000026308
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	403 E MCHENRY ST, URBANA, IL 61801-6736
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024737
Date	Nov 24, 2020
Instrument	2020R24737

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 12, 2017
Property Address	403 E MCHENRY ST, URBANA, IL 61801-6736
Document Number	0000010347
Map Reference	MB W PG24
Instrument Date	May 4, 2017
Instrument	2017R10347
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
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	403 E MCHENRY ST, URBANA, IL 61801-6736

Mortgage

Document Number	0000010348
Date	Jun 12, 2017
Instrument	2017R10348

Lender

Name	ILLINOIS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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	Cunningham Township
Municipality	Urbana City
Unified School District	Urbana School District 116 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,320 (+25.93%) Land $23,170 Building $52,150	$225,960 (+25.93%) Land $69,510 Building $156,450
2024	$6,723.00 (+15.44%)
2022	$5,824.00 Homeowner's exemption	$59,810 Land $18,400 Building $41,410	$179,430 Land $55,200 Building $124,230

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

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

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 439 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

May also be available: Nextlink, T-Mobile.

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