Champaign County property record for 406 E Washington St, Urbana, IL 61801
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 592 sqft · built 1933 |
| Lot Size | 0.111 acres (4,845 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Sep 2017) |
| Tax Bill | $4,374 (2024) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 92-21-17-285-025 |
| Primary APN | 92-21-17-285-025 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 592 sqft Building Perimeter |
| 1st Floor Area | 592 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Exterior Material | Stucco |
| Roof Material | Other |
| Lot Area | 4,845 sqft (0.111 acres) |
| Lot Dimensions | 95 ft deep x 51 ft wide |
| Garage Type | Detached |
| Garage Area | 225 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 615 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 406 E WASHINGTON ST |
|---|---|
| City | URBANA |
| State | IL |
| Zip | 61801-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 SMITHS, JAMES ELMO, WASHINGTON ST ADD |
| Legal Range | 09E |
| Legal Township | 19N |
| Legal Section | 17 |
| Legal Subdivision | SMITHS, JAMES ELMO, WASHINGTON ST ADD |
| Legal Lot Number | 7 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 5500 |
406 E Washington St is owned and occupied by two individuals who bought it in September 2017.
Source: Champaign County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 E WASHINGTON ST, URBANA, IL 61801-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Dec 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA |
| Sep 29, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2017 · Amount on File |
| Deed Sale | Sep 29, 2017 · Amount on File |
| Deed Document Number | 201718632 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 406 E WASHINGTON ST, URBANA, IL 61801-4231 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006057 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 2022R06057 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Property Address | 406 E WASHINGTON ST, URBANA, IL 61801-4231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022456 |
|---|---|
| Date | Dec 1, 2017 |
| Instrument | 2017R22456 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Nov 17, 2032 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Sep 29, 2017 |
| Property Address | 406 E WASHINGTON ST, URBANA, IL 61801-4231 |
| Document Number | 0000018632 |
| Instrument Date | Oct 31, 2014 |
| Instrument | 18632 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 E WASHINGTON ST URBANA IL 618014231, URBANA, IL 61801-4231 |
Source: Champaign County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Champaign County |
| County Subdivision | Cunningham Township |
| Municipality | Urbana City |
| Unified School District | Urbana School District 116 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51,220 Land $12,040 Building $39,180 | $153,660 Land $36,120 Building $117,540 | |
| 2024 | $4,374.00 | ||
| 2022 | $3,752.00 Homeowner's exemption | $40,670 Land $9,560 Building $31,110 | $122,010 Land $28,680 Building $93,330 |
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.
FEMA maps place 406 E Washington St in Zone X, an area of minimal flood risk.
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.
The area around 406 E Washington St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 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 · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Fidium Fiber, Nextlink, Pavlov Media, T-Mobile, Volo.net Internet+Tech.
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