904 E Water St, Urbana, IL 61802 Property Records

Champaign County property record for 904 E Water St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,020 sqft · built 1898
Lot Size	0.142 acres (6,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jul 2026)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`91-21-09-354-002`

Property Details

APN / Parcel Number

Primary APN	`91-21-09-354-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Building Perimeter
1st Floor Area	1,020 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Stucco
Foundation Type	Raised
Roof Material	Other
Lot Area	6,180 sqft (0.142 acres)
Lot Dimensions	103 ft deep x 60 ft wide
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	904 E WATER ST
City	URBANA
State	IL
Zip	61802-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 DAVIS, N.W., 2ND ADD AND OTHER LAND
Legal Range	09E
Legal Township	19N
Legal Section	09
Legal Subdivision	DAVIS, N.W., 2ND ADD AND OTHER LAND
Legal Lot Number	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1005
Census Tract	5500

Owner

Source: Champaign County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	904 E WATER ST, URBANA, IL 61802-2842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Oct 6, 2021	Warranty Deed, Transfer NOT AVAILABLE, ACT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Mar 19, 2025 · Amount on Record
Deed Document Number	202610865
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 14, 2026
Property Address	904 E WATER ST, URBANA, IL 61802-2842
Document Number	0000010865
Instrument Date	Jul 14, 2026
Instrument	202610865
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	904 E WATER ST, URBANA, IL 61802-2842

Mortgage

Document Number	0000010866,
Date	Jul 14, 2026
Instrument	202610866

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 6, 2021
Property Address	904 E WATER ST, URBANA, IL 61802-2842
Document Number	0000023895
Instrument Date	Jul 15, 2021
Instrument	2021R23895
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 656, CHAMPAIGN, IL 61824-0656

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	$1,913.00 (+5.69%)	$24,920 (+25.92%) Land $5,590 Building $19,330	$74,760 (+25.92%) Land $16,770 Building $57,990
2024	$1,810.00 (-15.5%)
2022	$2,142.00	$19,790 Land $4,440 Building $15,350	$59,370 Land $13,320 Building $46,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, T-Mobile, Verizon.

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