604 E Elm St, Urbana, IL 61802 Property Records

Champaign County property record for 604 E Elm St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,172 sqft · built 1893
Lot Size	0.285 acres (12,400 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jun 2023)
Tax Bill	$6,920 (2024)
Deeds & Mortgages	Jun 2023 Sale & Second Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92-21-17-232-008`

Property Details

APN / Parcel Number

Primary APN	`92-21-17-232-008`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,172 sqft Building Perimeter
1st Floor Area	1,172 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	12,400 sqft (0.285 acres)
Lot Dimensions	100 ft deep x 124 ft wide
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	604 E ELM ST
City	URBANA
State	IL
Zip	61802-3445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4, 5 BLOCK 3 WEBBERS, GEORGE G., 3RD ADD AND OTHER LAND
Legal Range	09E
Legal Township	19N
Legal Section	17
Legal Subdivision	WEBBERS, GEORGE G., 3RD ADD
Legal Block	3
Legal Lot Number	4,5
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1008
Census Tract	5500

Owner

604 E Elm St is owned and occupied by two individuals who bought it in June 2023.

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 File
Mailing Address	604 E ELM ST, URBANA, IL 61802-3445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage HICKORY POINT BANK & TRUST
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Prior Sale	Jul 28, 2021 · Amount on File
Deed Document Number	20237758
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 14, 2023
Property Address	604 E ELM ST, URBANA, IL 61802-3445
Document Number	0000007758
Map Reference	DD 26 PG 44
Instrument Date	Jun 2, 2023
Instrument	2023R07758
Transaction Type	Transfer
Record Updated	Aug 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
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	604 E ELM ST, URBANA, IL 61802-3445

Mortgage

Document Number	0000007759
Date	Jun 14, 2023
Instrument	2023R07759

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 28, 2021
Property Address	604 E ELM ST, URBANA, IL 61802-3445
Document Number	0000017756
Map Reference	DD 26 PG 44
Instrument Date	Jul 21, 2021
Instrument	2021R17756
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.50
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	604 E ELM ST, URBANA, IL 61802-3445

Mortgage

Document Number	0000017757
Date	Jul 28, 2021
Instrument	2021R17757

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

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		$77,340 Land $24,660 Building $52,680	$232,020 Land $73,980 Building $158,040
2024	$6,920.00
2022	$5,998.00 Homeowner's exemption	$61,420 Land $19,590 Building $41,830	$184,260 Land $58,770 Building $125,490

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 604 E Elm St 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 604 E Elm 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.

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 621 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Nextlink, Volo.net Internet+Tech.

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