Champaign County property record for 403 E Willard St, Urbana, IL 61801
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,434 sqft · built 1987 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Jun 2025) |
| Tax Bill | $6,840 (2024) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 93-21-20-482-009 |
| Primary APN | 93-21-20-482-009 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,434 sqft Building Perimeter |
| 1st Floor Area | 1,434 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Roof Material | Other |
| Lot Area | 10,800 sqft (0.248 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| Garage Area | 294 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 403 E WILLARD ST |
|---|---|
| City | URBANA |
| State | IL |
| Zip | 61801-6654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 UNIVERSITY DOWNS, 11TH SUB |
| Legal Range | 09E |
| Legal Township | 19N |
| Legal Section | 20 |
| Legal Subdivision | UNIVERSITY DOWNS, 11TH SUB |
| Legal Lot Number | 48 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 5701 |
Source: Champaign County records · APN 93-21-20-482-009
Assessment roll updated 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 | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jun 28, 2022 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 03, 2021 | Warranty Deed, Transfer |
| Apr 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPECT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 02, 2025 · Amount on Record |
| Deed Sale | Jun 02, 2025 · Amount on Record |
| Prior Sale | Nov 03, 2021 · Amount on Record |
| Deed Document Number | 20257493 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jun 28, 2022 |
| Property Address | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Document Number | 0000011756 |
| Map Reference | MB Y PG 172 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 2022R11756 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Document Number | 0000011757 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 2022R11757 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Nov 03, 2021 |
| Property Address | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Document Number | 0000026284 |
| Map Reference | MB Y PG 172 |
| Instrument Date | Nov 02, 2021 |
| Instrument | 2021R26284 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 403 E WILLARD ST, URBANA, IL 61801-6654 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006782 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 2020R06782 |
| Name | PROSPECT BANK |
|---|---|
| Type | Bank |
| Address | PARIS, IL 61944 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
Source: Champaign County records · Assessment roll updated 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 and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $76,510 (+25.9%) Land $23,600 Building $52,910 | $229,530 (+25.9%) Land $70,800 Building $158,730 | |
| 2024 | $6,840.00 (+26.97%) | ||
| 2022 | $5,387.00 Homeowner's exemption Senior Citizen's exemption | $60,770 Land $18,750 Building $42,020 | $182,310 Land $56,250 Building $126,060 |
Source: FEMA National Flood Hazard Layer as of July 14, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 70% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 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 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
Based on FCC filings for 219 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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