406 E Holmes St, Urbana, IL 61801 Property Records

Champaign County property record for 406 E Holmes St, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,457 sqft · built 1973
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on Record
Last Sale	$175,500 (Jun 2012)
Tax Bill	$7,401 (2024)
Deeds & Mortgages	Jan 2022 Transfer May 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`93-21-20-432-029`

Property Details

APN / Parcel Number

Primary APN	`93-21-20-432-029`

Interior

Full Baths	2 Baths
Building Area	1,457 sqft Building Perimeter
1st Floor Area	1,457 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Stucco
Roof Material	Other
Lot Area	9,500 sqft (0.218 acres)
Lot Dimensions	100 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	594 sqft
Driveway	Concrete Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	543 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	406 E HOLMES ST
City	URBANA
State	IL
Zip	61801-6734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 904 ENNIS RIDGE 19TH SUB
Legal Range	09E
Legal Township	19N
Legal Section	20
Legal Subdivision	ENNIS RIDGE 19TH SUB
Legal Lot Number	904
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	4
Census Block	4006
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	Individual Name on Record
Mailing Address	406 E HOLMES ST, URBANA, IL 61801-6734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Intrafamily Transfer, Transfer ATTORNEY
May 2, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF ILLINOIS COMMUNITY CU
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF ILLINOIS COMMUNITY CU
Dec 31, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNIVERSITY OF ILLINOIS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2012 · Amount on Record
Deed Sale	Jun 29, 2012 · Amount on Record
Prior Sale	Sep 30, 2008 · Amount on Record
Deed Document Number	201215971
Last Transfer Date	Dec 21, 2021
Transfer Doc	0000000495
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 10, 2022
Property Address	406 E HOLMES ST, URBANA, IL 61801-6734
Document Number	0000000562
Map Reference	MB W PG 25
Instrument Date	Dec 21, 2021
Instrument	2022R00562
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E HOLMES ST, URBANA, IL 61801-6734

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 E HOLMES ST, URBANA, IL 61801-6734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006833
Date	May 2, 2018
Instrument	2018R06833

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 E HOLMES ST, URBANA, IL 61801-6734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007758
Date	May 11, 2020
Instrument	2020R07758

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union
Address	CHAMPAIGN, IL 61820

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.5%

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 31, 2018
Property Address	406 E HOLMES ST, URBANA, IL 61801-6734
Document Number	0000022261
Map Reference	MB W PG 25DOC71R3081
Instrument Date	Dec 21, 2018
Instrument	2018R22261
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E HOLMES ST, URBANA, IL 61801-6734

Mortgage

Document Number	0000022262
Date	Dec 31, 2018
Instrument	2018R22262

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	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		$82,270 (+25.93%) Land $27,520 Building $54,750	$246,810 (+25.93%) Land $82,560 Building $164,250
2024	$7,401.00 (+15.26%)
2022	$6,421.00 Homeowner's exemption	$65,330 Land $21,850 Building $43,480	$195,990 Land $65,550 Building $130,440

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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