920 W Charles St, Champaign, IL 61821 Property Records

Champaign County property record for 920 W Charles St, Champaign, IL 61821

Property Summary

Property Type	Single Family Home
Details	2 ba · 892 sqft · built 1908
Lot Size	0.151 acres (6,591 sqft)
Owner	Individual Name on File
Last Sale	$206,500 (Aug 2017)
Tax Bill	$6,754 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-20-14-281-014`

Property Details

APN / Parcel Number

Primary APN	`43-20-14-281-014`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	892 sqft Building Perimeter
1st Floor Area	892 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	6,591 sqft (0.151 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	920 W CHARLES ST
City	CHAMPAIGN
State	IL
Zip	61821-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 239 CHAMBER OF COMMERCE ADD
Legal Range	08E
Legal Township	19N
Legal Section	14
Legal Subdivision	CHAMBER OF COMMERCE ADD
Legal Lot Number	239
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CHAMPAIGN CITY
Census Block Group	2
Census Block	2010
Census Tract	1100

Owner

920 W Charles St is owned and occupied by an individual who bought it in August 2017.

Source: Champaign County records, as of June 2, 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	920 W CHARLES ST, CHAMPAIGN, IL 61821-4528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Aug 14, 2017	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2017 · Amount on File
Deed Sale	Aug 14, 2017 · Amount on File
Prior Sale	Apr 1, 2004 · Amount on File
Deed Document Number	201715324
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	920 W CHARLES ST, CHAMPAIGN, IL 61821-4528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000569
Date	Jan 11, 2021
Instrument	2021R00569

Lender

Name	FIRST STATE BANK
Type	Bank
Address	61620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 14, 2017
Property Address	920 W CHARLES ST, CHAMPAIGN, IL 61821-4528
Document Number	0000015324
Map Reference	MB C PG202
Instrument Date	Aug 11, 2017
Instrument	2017R15324
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	920 W CHARLES ST, CHAMPAIGN, IL 61821-4528

Mortgage

Document Number	0000015325
Date	Aug 14, 2017
Instrument	2017R15325

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.37%

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		$93,640 (+12.2%) Land $27,320 Building $66,320	$280,920 (+12.2%) Land $81,960 Building $198,960
2024	$6,754.00 (+6.99%)	$83,460 Land $24,350 Building $59,110	$250,380 Land $73,050 Building $177,330
2023	$6,313.00 (+7.07%)
2022	$5,896.00 Homeowner's exemption	$70,120 Land $20,460 Building $49,660	$210,360 Land $61,380 Building $148,980

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 920 W Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 920 W Charles St 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 545 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, Nextlink, Pavlov Media.

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