604 Silver Lake Ct, Savoy, IL 61874 Property Records

Champaign County property record for 604 Silver Lake Ct, Savoy, IL 61874

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,951 sqft · built 2013
Lot Size	0.203 acres (8,847 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Dec 2023)
Tax Bill	$15,336 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-26-01-481-017`

Property Details

APN / Parcel Number

Primary APN	`29-26-01-481-017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,951 sqft Living Area
Gross Area	4,484 sqft
1st Floor Area	711 sqft
Basement Area	1,867 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,847 sqft (0.203 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	604 SILVER LAKE CT
City	SAVOY
State	IL
Zip	61874-7449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 138 LAKE FALLS SUB PHASE 1
Legal Range	08E
Legal Township	18N
Legal Section	01
Legal Subdivision	LAKE FALLS SUB PHASE 1
Legal Lot Number	138
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	TOLONO
Census Block Group	5
Census Block	5011
Census Tract	10901

Owner

604 Silver Lake Ct is owned and occupied by two individuals who bought it in December 2023.

Source: Champaign County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	604 SILVER LAKE CT, SAVOY, IL 61874-7449
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
Dec 13, 2023	Deed, Transfer · Conventional Mortgage HICKORY POINT BANK & TRUST
Jan 6, 2017	Deed of Trust, Mortgage BUSEY BANK
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Oct 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Prior Sale	Sep 27, 2013 · Amount on File
Deed Document Number	202317393
Prior Transfer Date	Oct 16, 2017
Prior Transfer Doc	0000019773
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 13, 2023
Property Address	604 SILVER LAKE CT, SAVOY, IL 61874-7449
Document Number	0000017393
Map Reference	DOC 2007R 03220
Instrument Date	Dec 11, 2023
Instrument	2023R17393
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
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 SILVER LAKE CT # C0URT, C0URT, SAVOY, IL 61874-7449

Mortgage

Document Number	0000017395
Date	Dec 13, 2023
Instrument	2023R17395

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	13%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 SILVER LAKE CT, SAVOY, IL 61874-7449
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000446
Date	Jan 6, 2017
Instrument	2017R00446

Lender

Name	BUSEY BANK
Type	Bank
Address	URBANA, IL 61801

Agreement

Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 SILVER LAKE CT, SAVOY, IL 61874-7449
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021708
Date	Dec 26, 2019
Instrument	2019R21708

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 17, 2017
Property Address	604 SILVER LAKE CT, SAVOY, IL 61874-7449
Document Number	0000019773
Instrument Date	Oct 16, 2017
Instrument	19773
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	604 SILVER LAKE CT SAVOY IL 618747449, SAVOY, IL 61874-7449

Tax Assessment & Valuation

The 2025 property tax bill for 604 Silver Lake Ct was $15,336, up 4.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,336.00 (+4.09%)	$215,010 Land $35,620 Building $179,390	$645,030 Land $106,860 Building $538,170
2024	$14,734.00
2022	$12,988.00 Homeowner's exemption Senior Citizen's exemption	$171,640 Land $28,430 Building $143,210	$514,920 Land $85,290 Building $429,630

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 Silver Lake Ct 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

Wildfire risk around 604 Silver Lake Ct 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 98% of the US · lower than 86% 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Pavlov Media Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

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