414 Beringer Cir, Urbana, IL 61802 Property Records

Champaign County property record for 414 Beringer Cir, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,244 sqft · built 2000
Lot Size	0.366 acres (15,937 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Oct 2025)
Tax Bill	$12,964 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91-21-10-405-003`

Property Details

APN / Parcel Number

Primary APN	`91-21-10-405-003`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,244 sqft Building Perimeter
1st Floor Area	2,244 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	15,937 sqft (0.366 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	414 BERINGER CIR
City	URBANA
State	IL
Zip	61802-2280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 241 BERINGER COMMONS SUB NO 2B
Legal Range	09E
Legal Township	19N
Legal Section	10
Legal Subdivision	BERINGER COMMONS SUB NO 2B
Legal Lot Number	241
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2047
Census Tract	5500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	414 BERINGER CIR, URBANA, IL 61802-2280
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage CRF SMALL BUSINESS LOAN COMPANY LLC
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Sep 3, 2019	Warranty Deed, Transfer · Conventional Mortgage MIDCOUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	202516387
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	414 BERINGER CIR, URBANA, IL 61802-2280
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019178
Date	Aug 11, 2021
Instrument	2021R19178

Lender

Name	CRF SMALL BUSINESS LOAN COMPANY LLC
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 27, 2025
Property Address	414 BERINGER CIR, URBANA, IL 61802-2280
Document Number	0000016387
Map Reference	DOC 94R32428
Instrument Date	Oct 23, 2025
Instrument	2025R16387
Transaction Type	Transfer
Record Updated	Apr 2, 2026
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	Joint Tenants
Address	414 BERINGER CIR, URBANA, IL 61802-2280

Mortgage

Document Number	0000016388
Date	Oct 27, 2025
Instrument	2025R16388

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.99%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 3, 2019
Property Address	414 BERINGER CIR, URBANA, IL 61802-2280
Document Number	0000014213
Instrument Date	Aug 16, 2019
Instrument	2019R14213
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$498.75
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	414 BERINGER CIR, URBANA, IL 61802-2280

Mortgage

Document Number	0000014215
Date	Sep 3, 2019
Instrument	2019R14215

Lender

Name	MIDCOUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$138,970 (+5.8%) Land $31,740 Building $107,230	$416,910 (+5.8%) Land $95,220 Building $321,690
2024	$12,964.00 (+14.42%) Homeowner's exemption	$131,350 (+19.03%) Land $30,000 Building $101,350	$394,050 (+19.03%) Land $90,000 Building $304,050
2022	$11,330.00 Homeowner's exemption	$110,350 Land $25,200 Building $85,150	$331,050 Land $75,600 Building $255,450

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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