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Single Family ResidenceResidential
$278,331$192 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $135,000 on May 15, 1998

1604 HARBOR POINT DR

CHAMPAIGN, IL 61821
3 / 1
Baths
1,452 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1978
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$278K
$258K low$298K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$135,000 · May 15, 1998
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$226,206
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$180,965
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.20%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$35,000
BANK OF AMERICA FSB · recorded May 18, 1998
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$17,125
BUSEY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,501 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$92,020 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,240
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$75,780
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$83,810
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$276,060

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyChampaign
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 152 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Robeson Elementary SchoolB-
Elementary · Grades KG–5 · 0.8 mi
M
Jefferson Middle SchoolB-
Middle · Grades 6–8 · 1.2 mi
H
Central High SchoolC
High · Grades 9–12 · 2.2 mi

District: Champaign Community Unit School District 4

Neighborhood · ZIP 61821These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.78
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.31,352
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,528 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,699
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,842
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1604 Harbor Point Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Champaign 61821
  • Costs more per square foot than 69% of homes in Champaign 61821
  • Bigger than 74% of homes in Champaign 61821
  • Newer than 87% of homes in Champaign 61821

What homes are worth in Champaign 61821

Each bar is how many homes fall in that price range. The marker is this home.

This home
$80K$561K

This home is worth more than 78% of homes in Champaign 61821.

How it measures up in Champaign 61821

The dot is this home. The mark in the middle is the typical home in Champaign 61821.

Estimated value$278,331
CheaperTypical $196,910Pricier

Pricier than 78% of homes nearby

Price per ft²$192
CheaperTypical $163Pricier

Pricier than 69% of homes nearby

Living area1,452 ft²
SmallerTypical 1,169 ft²Bigger

Bigger than 74% of homes nearby

Year built1978
OlderTypical 1961Newer

Newer than 87% of homes nearby

How 1604 Harbor Point Dr ranks against every home in each area.
MeasureThis homeChampaign 61821Champaign County
Estimated valuepricier than$278,33178% of homes64% of homes
Price per ft²pricier than$19269% of homes67% of homes
Living areabigger than1,452 ft²74% of homes67% of homes
Year builtnewer than197887% of homes72% of homes

About 1604 Harbor Point Dr

How much is 1604 Harbor Point Dr, Champaign, IL worth?

The TopHap Estimate for 1604 Harbor Point Dr, Champaign, IL is $278,331 as of Jul 14, 2026. The likely range is $258,465 to $298,197. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1604 Harbor Point Dr, Champaign, IL last sell?

1604 Harbor Point Dr, Champaign, IL last sold on May 15, 1998 for $135,000, according to the county's recorded deed.

How big is 1604 Harbor Point Dr, Champaign, IL?

1604 Harbor Point Dr, Champaign, IL has 3 bathrooms and 1,452 square feet of living space.

When was 1604 Harbor Point Dr, Champaign, IL built?

1604 Harbor Point Dr, Champaign, IL was built in 1978, making it 48 years old. The building has 2 stories.

What schools serve 1604 Harbor Point Dr, Champaign, IL?

1604 Harbor Point Dr, Champaign, IL is assigned to Robeson Elementary School (elementary), rated B-; Jefferson Middle School (middle), rated B-; Central High School (high), rated C. All sit in Champaign Community Unit School District 4. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1604 Harbor Point Dr, Champaign, IL compare to other homes in Champaign 61821?

Among the 10,355 homes in Champaign 61821, it is worth more than 78% of them ($278,331 against a typical $196,910), its price per square foot is higher than 69% of them ($192 against a typical $163), it is bigger than 74% of them (1,452 ft² against a typical 1,169 ft²) and it is newer than 87% of them (1978 against a typical 1961). Measured against all of Champaign County, it is worth more than 64% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1604 Harbor Point Dr, Champaign, IL?

The 2024 property tax bill for 1604 Harbor Point Dr, Champaign, IL was $7,501. The county assessed it at $92,020.

Closest homes

More homes in Champaign 61821

Assigned schools

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