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Single Family ResidenceResidential
$145,577$136 / 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 92How 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

3102 SARATOGA DR

CHAMPAIGN, IL 61821
1
Baths
1,073 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$146K
$134K low$158K high
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.$133,577
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$106,862
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.8%
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.$12,000
BANK ONE NA · recorded Feb 27, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,620 (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.$46,050 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,540
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$36,510
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,040
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$138,150

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
Lot (acres)The size of the land the home sits on, from county records.0.15
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Yes
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 · 200 ft²

Transaction History(2)

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
Kenwood Elementary SchoolC+
Elementary · Grades KG–5 · 0.4 mi
H
Centennial High SchoolC+
High · Grades 9–12 · 0.8 mi
M
Jefferson Middle SchoolB-
Middle · Grades 6–8 · 0.9 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

3102 Saratoga 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 less than 79% of homes in Champaign 61821
  • Costs less per square foot than 74% of homes in Champaign 61821
  • Smaller than 66% of homes in Champaign County
  • Has a smaller lot than 82% of homes in Champaign 61821
  • Newer than 73% 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$594K

This home is worth more than 21% 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$145,577
CheaperTypical $196,220Pricier

Pricier than 21% of homes nearby

Price per ft²$136
CheaperTypical $163Pricier

Pricier than 26% of homes nearby

Living area1,073 ft²
SmallerTypical 1,169 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.15 ac
SmallerTypical 0.17 acBigger

Bigger than 18% of homes nearby

Year built1969
OlderTypical 1961Newer

Newer than 73% of homes nearby

How 3102 Saratoga Dr ranks against every home in each area.
MeasureThis homeChampaign 61821Champaign County
Estimated valuepricier than$145,57721% of homes22% of homes
Price per ft²pricier than$13626% of homes28% of homes
Living areabigger than1,073 ft²41% of homes34% of homes
Lot sizebigger than0.15 ac18% of homes23% of homes
Year builtnewer than196973% of homes61% of homes

About 3102 Saratoga Dr

How much is 3102 Saratoga Dr, Champaign, IL worth?

The TopHap Estimate for 3102 Saratoga Dr, Champaign, IL is $145,577 as of Jul 14, 2026. The likely range is $133,636 to $157,518. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3102 Saratoga Dr, Champaign, IL last sell?

3102 Saratoga Dr, Champaign, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3102 Saratoga Dr, Champaign, IL?

3102 Saratoga Dr, Champaign, IL has 1 bathrooms, 1,073 square feet of living space and a 0.15-acre lot.

When was 3102 Saratoga Dr, Champaign, IL built?

3102 Saratoga Dr, Champaign, IL was built in 1969, making it 57 years old. The building has 1 story.

What schools serve 3102 Saratoga Dr, Champaign, IL?

3102 Saratoga Dr, Champaign, IL is assigned to Kenwood Elementary School (elementary), rated C+; Centennial High School (high), 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 3102 Saratoga Dr, Champaign, IL compare to other homes in Champaign 61821?

Among the 10,355 homes in Champaign 61821, it is worth more than 21% of them ($145,577 against a typical $196,220), its price per square foot is higher than 26% of them ($136 against a typical $163), it is bigger than 41% of them (1,073 ft² against a typical 1,169 ft²), its lot is bigger than 18% of them (0.15 ac against a typical 0.17 ac) and it is newer than 73% of them (1969 against a typical 1961). Measured against all of Champaign County, it is worth more than 22% 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 3102 Saratoga Dr, Champaign, IL?

The 2024 property tax bill for 3102 Saratoga Dr, Champaign, IL was $2,620. The county assessed it at $46,050.

Closest homes

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Assigned schools

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