413 Beringer Cir, Urbana, IL 61802 Property Records

Champaign County property record for 413 Beringer Cir, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,274 sqft · built 1998
Lot Size	0.265 acres (11,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jan 2026)
Tax Bill	$36 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`91-21-10-402-023`

Property Details

APN / Parcel Number

Primary APN	`91-21-10-402-023`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,274 sqft Building Perimeter
1st Floor Area	2,274 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	Concrete
Roof Material	Other
Lot Area	11,553 sqft (0.265 acres)
Garage Type	Attached
Garage Area	650 sqft
Driveway	Concrete Driveway
Driveway Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	413 BERINGER CIR
City	URBANA
State	IL
Zip	61802-2281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 214 BERINGER COMMONS SUB NO 2B
Legal Range	09E
Legal Township	19N
Legal Section	10
Legal Subdivision	BERINGER COMMONS SUB NO 2B
Legal Lot Number	214
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2050
Census Tract	5500

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	2 Individual Names on Record
Mailing Address	413 BERINGER CIR, URBANA, IL 61802-2281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPECT BANK
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Oct 3, 2017	Warranty Deed, Transfer · ARM BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2026 · Amount on Record
Deed Sale	Jan 8, 2026 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	2026323
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 8, 2026
Property Address	413 BERINGER CIR, URBANA, IL 61802-2281
Document Number	0000000323
Map Reference	MB CC PG 63
Instrument Date	Jan 5, 2026
Instrument	2026R00323
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
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	413 BERINGER CIR, URBANA, IL 61802-2281

Mortgage

Document Number	0000000324
Date	Jan 8, 2026
Instrument	2026R00324

Lender

Name	PROSPECT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.5%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 19, 2021
Property Address	413 BERINGER CIR, URBANA, IL 61802-2281
Document Number	0000027365
Map Reference	MB CC PG 63
Instrument Date	Nov 3, 2021
Instrument	2021R27365
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
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	413 BERINGER CIR, URBANA, IL 61802-2281

Mortgage

Document Number	0000027366
Date	Nov 19, 2021
Instrument	2021R27366

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	413 BERINGER CIR, URBANA, IL 61802-2281
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019457
Date	Sep 24, 2020
Instrument	2020R19457

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.12%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 3, 2017
Property Address	413 BERINGER CIR, URBANA, IL 61802-2281
Document Number	0000018837
Map Reference	MB CC PG63
Instrument Date	Sep 14, 2017
Instrument	2017R18837
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$428.25
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 by the Entirety
Address	413 BERINGER CIR, URBANA, IL 61802-2281

Mortgage

Document Number	0000018838
Date	Oct 3, 2017
Instrument	2017R18838

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

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		$122,000 (+5.8%) Land $31,740 Building $90,260	$366,000 (+5.8%) Land $95,220 Building $270,780
2024	$36.00	$115,310 (+19.02%) Land $30,000 Building $85,310	$345,930 (+19.02%) Land $90,000 Building $255,930
2022	$36.00 Homeowner's exemption	$96,880 Land $25,200 Building $71,680	$290,640 Land $75,600 Building $215,040

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
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

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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