403 W Main St, Royal, IL 61871 Property Records

Champaign County property record for 403 W Main St, Royal, IL 61871

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1986
Lot Size	0.302 acres (13,156 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (May 2021)
Tax Bill	$5,045 (2024)
Deeds & Mortgages	Apr 2018 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-18-18-428-002`

Property Details

APN / Parcel Number

Primary APN	`17-18-18-428-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	3,714 sqft
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Flooring	Wood

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Brick
Roof Material	Other
Lot Area	13,156 sqft (0.302 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 W MAIN ST
City	ROYAL
State	IL
Zip	61871-6047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BEHRENS 4TH SUB - ROYAL
Legal Range	14W
Legal Township	20N
Legal Section	18
Legal Subdivision	BEHRENS 4TH SUB - ROYAL
Legal Lot Number	19
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1019
Census Tract	10702

Owner

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	403 W MAIN ST, ROYAL, IL 61871-6047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE GIFFORD STATE BANK
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE GIFFORD STATE BANK
Jun 11, 2020	Deed of Trust, Mortgage · Line of Credit THE GIFFORD STATE BANK
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Apr 15, 2011 · Amount on Record
Deed Document Number	202110180
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	403 W MAIN ST, ROYAL, IL 61871-6047
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006179
Date	Apr 20, 2018
Instrument	2018R06179

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	403 W MAIN ST, ROYAL, IL 61871-6047
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010379
Date	Jun 11, 2020
Instrument	2020R10379

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.2%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	403 W MAIN ST, ROYAL, IL 61871-6047
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010380
Date	Jun 11, 2020
Instrument	2020R10380

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jul 4, 2025

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 3, 2021
Property Address	403 W MAIN ST, ROYAL, IL 61871-6047
Document Number	0000010180
Map Reference	MB Z PG 274
Instrument Date	Apr 30, 2021
Instrument	2021R10180
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
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	403 W MAIN ST, ROYAL, IL 61871-6047

Mortgage

Document Number	0000010181
Date	May 3, 2021
Instrument	2021R10181

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Ogden Township
Municipality	Royal Village
Elementary School District	Prairieview-Ogden Community Consolidated School District 197 (KG - 08)
Secondary School District	St. Joseph-Ogden Community High School District 305 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$83,530 (+23.86%) Land $10,980 Building $72,550	$250,590 (+23.86%) Land $32,940 Building $217,650
2024	$5,045.00 (+11.81%)
2022	$4,512.00 Homeowner's exemption	$67,440 Land $8,870 Building $58,570	$202,320 Land $26,610 Building $175,710

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROYAL serves 273 people · EPA ID IL0190700
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2025–2027) 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AMG Technology Investment Group Fixed Wireless	800 / 400
Frontier DSL	90 / 5
JAB Wireless Fixed Wireless	25 / 5
Benton Ridge Telephone Company Fixed Wireless	10 / 1

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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