703 E Elm St, Urbana, IL 61802 Property Records

Champaign County property record for 703 E Elm St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,037 sqft · built 1903
Lot Size	0.126 acres (5,508 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jul 2021)
Tax Bill	$3,916 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92-21-16-102-002`

Property Details

APN / Parcel Number

Primary APN	`92-21-16-102-002`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,037 sqft Building Perimeter
1st Floor Area	1,037 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	5,508 sqft (0.126 acres)
Lot Dimensions	102 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	308 sqft
Driveway	Concrete Driveway
Driveway Area	590 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	703 E ELM ST
City	URBANA
State	IL
Zip	61802-3446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 WEBBERS, MARTHA E., 3RD ADD
Legal Range	09E
Legal Township	19N
Legal Section	16
Legal Subdivision	WEBBERS, MARTHA E., 3RD ADD
Legal Lot Number	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1016
Census Tract	5500

Owner

703 E Elm St is owned and occupied by an individual who bought it in July 2021.

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	Individual Name on File
Mailing Address	703 E ELM ST, URBANA, IL 61802-3446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage INB NATIONAL ASSOCIATION
Dec 20, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	202116162
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 9, 2021
Property Address	703 E ELM ST, URBANA, IL 61802-3446
Document Number	0000016162
Map Reference	MB C PG 56
Instrument Date	Jul 8, 2021
Instrument	2021R16162
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 E ELM ST, URBANA, IL 61802-3446

Mortgage

Document Number	0000016163
Date	Jul 9, 2021
Instrument	2021R16163

Lender

Name	INB NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 20, 2017
Property Address	703 E ELM ST, URBANA, IL 61802-3446
Document Number	0000023657
Instrument Date	Dec 15, 2017
Instrument	23657
Transaction Type	Transfer
Record Updated	Jul 14, 2020
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	$96.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	703 E ELM ST URBANA IL 618023446, URBANA, IL 61802-3446

Mortgage

Document Number	23658
Date	Dec 20, 2017
Instrument	23658

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

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		$46,520 Land $10,970 Building $35,550	$139,560 Land $32,910 Building $106,650
2024	$3,916.00
2022	$3,348.00 Homeowner's exemption	$36,940 Land $8,710 Building $28,230	$110,820 Land $26,130 Building $84,690

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 703 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 703 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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