645 Sedgegrass Dr, Champaign, IL 61822 Property Records

Champaign County property record for 645 Sedgegrass Dr, Champaign, IL 61822

Property Summary

Property Type	Single Family Home
Lot Size	0.29 acres (12,645 sqft)
Owner	Individual Name on File
Last Sale	$193,000 (Oct 2019)
Tax Bill	$7,030 (2024)
Deeds & Mortgages	May 2024 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-09-114-001`

Property Details

APN / Parcel Number

Primary APN	`41-20-09-114-001`

Exterior

Lot Area	12,645 sqft (0.29 acres)

Location & Zoning

Street Address	645 SEDGEGRASS DR
City	CHAMPAIGN
State	IL
Zip	61822-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 243 SAWGRASS SUB PHASE 2
Legal Range	08E
Legal Township	19N
Legal Section	09
Legal Subdivision	SAWGRASS SUB PHASE 2
Legal Lot Number	243
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	3
Census Block	3013
Census Tract	902

Owner

645 Sedgegrass Dr is owned and occupied by an individual who bought it in October 2019.

Source: Champaign County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	645 SEDGEGRASS DR, CHAMPAIGN, IL 61822-2034
Occupancy	Owner Occupied
Owner Type	Individual

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
May 29, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FSB OF CHAMPAIGN URBANA
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HICKORY POINT BANK & TRUST
Oct 18, 2019	Warranty Deed, Transfer · Conventional Mortgage INB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2019 · Amount on File
Deed Sale	Oct 18, 2019 · Amount on File
Prior Sale	Dec 9, 2016 · Amount on File
Deed Document Number	201917381
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	645 SEDGEGRASS DR, CHAMPAIGN, IL 61822-2034
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006939
Date	May 29, 2024
Instrument	2024R06939

Lender

Name	FIRST FSB OF CHAMPAIGN URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 28, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	645 SEDGEGRASS DR, CHAMPAIGN, IL 61822-2034
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009819
Date	Apr 28, 2021
Instrument	2021R09819

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank
Address	DECATUR, IL 62525

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 18, 2019
Property Address	645 SEDGEGRASS DR, CHAMPAIGN, IL 61822-2034
Document Number	0000017381
Instrument Date	Oct 2, 2019
Instrument	17381
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ACT TITLE COMPANY INC, ACT TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SEDGEGRASS DR CHAMPAIGN IL 618222034, CHAMPAIGN, IL 61822-2034

Mortgage

Document Number	17382
Date	Oct 18, 2019
Instrument	17382

Lender

Name	INB NA
Address	322 E CAPITOL AVE, SPRINGFIELD, IL 62701-1710

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2049

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		$97,190 Land $19,390 Building $77,800	$291,570 Land $58,170 Building $233,400
2024	$7,030.00
2022	$6,140.00 Homeowner's exemption	$72,780 Land $14,520 Building $58,260	$218,340 Land $43,560 Building $174,780

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 645 Sedgegrass 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
Nearby Flood Policies	5 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 645 Sedgegrass Dr 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 156 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Mediacom Xtream Fixed Wireless	100 / 20

May also be available: Nextlink.

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