913 E Water St, Urbana, IL 61802 Property Records

Champaign County property record for 913 E Water St, Urbana, IL 61802

Property Summary

Property Type	Single Family Home
Details	1 ba · 972 sqft · built 1879
Lot Size	0.128 acres (5,562 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Oct 2022)
Tax Bill	$2,119 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`91-21-09-355-007`

Property Details

APN / Parcel Number

Primary APN	`91-21-09-355-007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Building Perimeter
1st Floor Area	972 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Exterior Material	Stucco
Foundation Type	Raised
Roof Material	Other
Lot Area	5,562 sqft (0.128 acres)
Lot Dimensions	103 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	287 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	913 E WATER ST
City	URBANA
State	IL
Zip	61802-2841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 21 DAVIS, N.W., 2ND ADD
Legal Range	09E
Legal Township	19N
Legal Section	09
Legal Subdivision	DAVIS, N.W., 2ND ADD AND OTHER LAND
Legal Tract	1
Legal Lot Number	21
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1006
Census Tract	5500

Owner

Source: Champaign County records, as of April 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 656, CHAMPAIGN, IL 61824-0656
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage IROQUOIS FSLA
Oct 12, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	May 3, 2005 · Amount on Record
Deed Document Number	202218580
Prior Transfer Date	Apr 28, 2005
Prior Transfer Doc	0000011621
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	913 E WATER ST, URBANA, IL 61802-2841
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001360
Date	Feb 2, 2023
Instrument	2023R01360

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	CHAMPAIGN, IL 61822

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 12, 2022
Property Address	913 E WATER ST, URBANA, IL 61802-2841
Document Number	0000018580
Map Reference	MB A PG 294
Instrument Date	Oct 7, 2022
Instrument	2022R18580
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$73.00
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		$28,090 (+25.96%) Land $3,600 Building $24,490	$84,270 (+25.96%) Land $10,800 Building $73,470
2024	$2,119.00 (+20.12%)
2022	$1,764.00 Homeowner's exemption	$22,300 Land $2,850 Building $19,450	$66,900 Land $8,550 Building $58,350

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

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 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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