4103 Crail Rd, Champaign, IL 61822 Property Records

Champaign County property record for 4103 Crail Rd, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,635 sqft · built 1998
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Nov 2025)
Tax Bill	$7,285 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44-20-16-358-014`

Property Details

APN / Parcel Number

Primary APN	`44-20-16-358-014`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,635 sqft Building Perimeter
1st Floor Area	1,635 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	8,625 sqft (0.198 acres)
Garage Area	402 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	182 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4103 CRAIL RD
City	CHAMPAIGN
State	IL
Zip	61822-8514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 128 TURNBERRY RIDGE NO 1
Legal Range	08E
Legal Township	19N
Legal Section	16
Legal Subdivision	TURNBERRY RIDGE NO 1
Legal Lot Number	128
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	2
Census Block	2093
Census Tract	1205

Owner

4103 Crail Rd is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514
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
Nov 5, 2025	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Dec 16, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage GUIDANCE RESID'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on File
Deed Sale	Nov 5, 2025 · Amount on File
Prior Sale	Dec 16, 2020 · Amount on File
Deed Document Number	202516997
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 5, 2025
Property Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514
Document Number	0000016997
Map Reference	MB CC PG 205
Instrument Date	Oct 29, 2025
Instrument	2025R16997
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514

Mortgage

Document Number	0000016998
Date	Nov 5, 2025
Instrument	2025R16998

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate	6.37%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 16, 2020
Property Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514
Document Number	0000026514
Instrument Date	Oct 28, 2020
Instrument	2020R26514
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	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514

Mortgage

Document Number	0000026515
Date	Dec 16, 2020
Instrument	2020R26515

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 9, 2018
Property Address	4103 CRAIL RD, CHAMPAIGN, IL 61822-8514
Document Number	0000011537
Instrument Date	Jun 28, 2018
Instrument	11537
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 CRAIL RD CHAMPAIGN IL 61822, CHAMPAIGN, IL 61822

Mortgage

Document Number	11538
Date	Jul 9, 2018
Instrument	11538

Lender

Name	GUIDANCE RESID'L
Address	RESTON, VA 20190

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Champaign City Township
Municipality	Champaign City
Unified School District	Champaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$100,460 (+12.2%) Land $24,290 Building $76,170	$301,380 (+12.2%) Land $72,870 Building $228,510
2024	$7,285.00 Homeowner's exemption	$89,540 Land $21,650 Building $67,890	$268,620 Land $64,950 Building $203,670
2022	$6,366.00 Homeowner's exemption	$75,230 Land $18,190 Building $57,040	$225,690 Land $54,570 Building $171,120

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 4103 Crail Rd 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

The area around 4103 Crail Rd 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.

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 181 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	2,000 / 250
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Mediacom Xtream.

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