4701 Watermark Dr, Champaign, IL 61822 Property Records

Champaign County property record for 4701 Watermark Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.337 acres (14,658 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Feb 2022)
Tax Bill	$11,235 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-20-20-423-023`

Property Details

APN / Parcel Number

Primary APN	`03-20-20-423-023`

Exterior

Lot Area	14,658 sqft (0.337 acres)

Location & Zoning

Street Address	4701 WATERMARK DR
City	CHAMPAIGN
State	IL
Zip	61822-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 306 IRONWOOD WEST III SUB
Legal Range	08E
Legal Township	19N
Legal Section	20
Legal Subdivision	IRONWOOD WEST III SUB
Legal Lot Number	306
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	1
Census Block	1032
Census Tract	1205

Owner

4701 Watermark Dr is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4701 WATERMARK DR, CHAMPAIGN, IL 61822-3522
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Prior Sale	May 18, 2004 · Amount on File
Deed Document Number	20222099
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 1, 2022
Property Address	4701 WATERMARK DR, CHAMPAIGN, IL 61822-3522
Document Number	0000002099
Map Reference	DOC 2002R8271
Instrument Date	Jan 31, 2022
Instrument	2022R02099
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
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	4701 WATERMARK DR, CHAMPAIGN, IL 61822-3522

Mortgage

Document Number	0000002100
Date	Feb 1, 2022
Instrument	2022R02100

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

Interest

Rate	2.37%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	4701 WATERMARK DR, CHAMPAIGN, IL 61822-3522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010060
Date	Jun 28, 2019
Instrument	2019R10060

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	4701 WATERMARK DR, CHAMPAIGN, IL 61822-3522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021582
Date	Oct 20, 2020
Instrument	2020R21582

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

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		$150,130 Land $28,570 Building $121,560	$450,390 Land $85,710 Building $364,680
2024	$11,235.00
2022	$10,619.00 Homeowner's exemption	$119,890 Land $21,860 Building $98,030	$359,670 Land $65,580 Building $294,090

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 4701 Watermark Dr 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 4701 Watermark Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Verizon.

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