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Single Family ResidenceResidential
$273,351$167 / 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 94How 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 $255,000 on Sep 19, 2025

2604 RACHEL RD

CHAMPAIGN, IL 61822
3 / 1
Baths
1,640 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.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.
Pre-foreclosure (LIS)A foreclosure notice on this home is currently active. Many are worked out before any auction happens.
A foreclosure-related notice has been recorded for this property.

Valuation

$273K
$258K low$289K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$255,000 · Sep 19, 2025
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.$49,101
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,281
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.82%
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.$216,750
AMERICAN PACIFIC MORTGAGE CORP · 7.12% 2 · recorded Sep 19, 2025
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.$7,500
ILLINOIS HOUSING DEVELOPMENT AUTHORITY

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,176 (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.$65,350 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,520
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$51,830
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,350
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$196,050

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.28 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
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 · 169 ft²

Transaction History(3)

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

Foreclosure Filings(1)

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

H
Centennial High SchoolC+
High · Grades 9–12 · 1.1 mi
E
Kenwood Elementary SchoolC+
Elementary · Grades KG–5 · 1.2 mi
M
Jefferson Middle SchoolB-
Middle · Grades 6–8 · 1.3 mi

District: Champaign Community Unit School District 4

Neighborhood · ZIP 61822These 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.59
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
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.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.27,406
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.258 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,523
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,936
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

2604 Rachel Rd 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 less than 68% of homes in Champaign 61822
  • Costs less per square foot than 73% of homes in Champaign 61822
  • Bigger than 80% of homes in Champaign County
  • Newer than 80% of homes in Champaign County

What homes are worth in Champaign 61822

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

This home
$131K$796K

This home is worth more than 32% of homes in Champaign 61822.

How it measures up in Champaign 61822

The dot is this home. The mark in the middle is the typical home in Champaign 61822.

Estimated value$273,351
CheaperTypical $340,222Pricier

Pricier than 32% of homes nearby

Price per ft²$167
CheaperTypical $183Pricier

Pricier than 27% of homes nearby

Living area1,640 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 68% of homes nearby

Year built1987
OlderTypical 1990Newer

Newer than 30% of homes nearby

How 2604 Rachel Rd ranks against every home in each area.
MeasureThis homeChampaign 61822Champaign County
Estimated valuepricier than$273,35132% of homes63% of homes
Price per ft²pricier than$16727% of homes52% of homes
Living areabigger than1,640 ft²68% of homes80% of homes
Year builtnewer than198730% of homes80% of homes

About 2604 Rachel Rd

How much is 2604 Rachel Rd, Champaign, IL worth?

The TopHap Estimate for 2604 Rachel Rd, Champaign, IL is $273,351 as of Jul 14, 2026. The likely range is $257,876 to $288,826. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2604 Rachel Rd, Champaign, IL last sell?

2604 Rachel Rd, Champaign, IL last sold on Sep 19, 2025 for $255,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 2604 Rachel Rd, Champaign, IL?

2604 Rachel Rd, Champaign, IL has 3 bathrooms and 1,640 square feet of living space.

When was 2604 Rachel Rd, Champaign, IL built?

2604 Rachel Rd, Champaign, IL was built in 1987, making it 39 years old. The building has 1 story.

What schools serve 2604 Rachel Rd, Champaign, IL?

2604 Rachel Rd, Champaign, IL is assigned to Centennial High School (high), rated C+; Kenwood Elementary School (elementary), rated C+; Jefferson Middle School (middle), rated B-. All sit in Champaign Community Unit School District 4. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2604 Rachel Rd, Champaign, IL compare to other homes in Champaign 61822?

Among the 8,388 homes in Champaign 61822, it is worth more than 32% of them ($273,351 against a typical $340,222), its price per square foot is higher than 27% of them ($167 against a typical $183), it is bigger than 68% of them (1,640 ft² against a typical 1,492 ft²) and it is newer than 30% of them (1987 against a typical 1990). Measured against all of Champaign County, it is worth more than 63% 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 2604 Rachel Rd, Champaign, IL?

The 2024 property tax bill for 2604 Rachel Rd, Champaign, IL was $5,176. The county assessed it at $65,350.

More homes on Rachel Rd

Closest homes

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Assigned schools

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