406 Beringer Cir, Urbana, IL 61802 Property Records

Champaign County property record for 406 Beringer Cir, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,760 sqft · built 1998
Lot Size	0.385 acres (16,782 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jan 2019)
Tax Bill	$10,887 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`91-21-10-405-007`

Property Details

APN / Parcel Number

Primary APN	`91-21-10-405-007`
Alternative APN	`302110405007`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,760 sqft Building Perimeter
1st Floor Area	2,760 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	16,782 sqft (0.385 acres)
Garage Type	Attached
Garage Area	917 sqft
Driveway	Concrete Driveway
Driveway Area	980 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Patio Area	189 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	406 BERINGER CIR
City	URBANA
State	IL
Zip	61802-2280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 245 BERINGER COMMONS SUB NO 2B
Legal Range	09E
Legal Township	19N
Legal Section	10
Legal Subdivision	BERINGER COMMONS SUB NO 2B
Legal Lot Number	245
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2047
Census Tract	5500

Owner

406 Beringer Cir is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	406 BERINGER CIR, URBANA, IL 61802-2280
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
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage CIBM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Deed Document Number	2019605
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 BERINGER CIR, URBANA, IL 61802-2280
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006009
Date	Apr 5, 2022
Instrument	2022R06009

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 14, 2019
Property Address	406 BERINGER CIR, URBANA, IL 61802-2280
Document Number	0000000605
Map Reference	MB CC PG 63
Instrument Date	Jan 7, 2019
Instrument	2019R00605
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	$315.00
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	406 BERINGER CIR, URBANA, IL 61802-2280

Mortgage

Document Number	0000000606
Date	Jan 14, 2019
Instrument	2019R00606

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	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		$122,950 Land $31,740 Building $91,210	$368,850 Land $95,220 Building $273,630
2024	$10,887.00
2022	$9,954.00 Homeowner's exemption	$97,630 Land $25,200 Building $72,430	$292,890 Land $75,600 Building $217,290

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 406 Beringer Cir in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 406 Beringer Cir 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Nextlink.

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