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Single Family ResidenceResidential
$138,933$174 / 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 89How 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 $40,267 on Jul 1, 1987

512 N JAMES ST

CHAMPAIGN, IL 61821
1
Baths
800 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.
1932
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$139K
$124K low$154K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$40,267 · Jul 1, 1987
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.$88,933
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$71,146
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.34%
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.$50,000
CITIZENS EQUITY FIRST CU · recorded Dec 21, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,419 (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.$33,740 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,730
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$30,730
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,220

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
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Dr Howard Elementary SchoolD
Elementary · Grades KG–5 · 0.3 mi
M
Franklin Middle SchoolC
Middle · Grades 6–8 · 0.6 mi
H
Central High SchoolC
High · Grades 9–12 · 0.7 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

512 N James St 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 82% of homes in Champaign 61821
  • Smaller than 94% of homes in Champaign 61821
  • Older than 90% 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 18% 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$138,933
CheaperTypical $196,910Pricier

Pricier than 18% of homes nearby

Price per ft²$174
CheaperTypical $163Pricier

Pricier than 58% of homes nearby

Living area800 ft²
SmallerTypical 1,169 ft²Bigger

Bigger than 6% of homes nearby

Year built1932
OlderTypical 1961Newer

Newer than 10% of homes nearby

How 512 N James St ranks against every home in each area.
MeasureThis homeChampaign 61821Champaign County
Estimated valuepricier than$138,93318% of homes20% of homes
Price per ft²pricier than$17458% of homes57% of homes
Living areabigger than800 ft²6% of homes7% of homes
Year builtnewer than193210% of homes18% of homes

About 512 N James St

How much is 512 N James St, Champaign, IL worth?

The TopHap Estimate for 512 N James St, Champaign, IL is $138,933 as of Jul 14, 2026. The likely range is $123,878 to $153,988. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 512 N James St, Champaign, IL last sell?

512 N James St, Champaign, IL last sold on Jul 1, 1987 for $40,267, according to the county's recorded deed.

How big is 512 N James St, Champaign, IL?

512 N James St, Champaign, IL has 1 bathrooms and 800 square feet of living space.

When was 512 N James St, Champaign, IL built?

512 N James St, Champaign, IL was built in 1932, making it 94 years old. The building has 1 story.

What schools serve 512 N James St, Champaign, IL?

512 N James St, Champaign, IL is assigned to Dr Howard Elementary School (elementary), rated D; Franklin Middle School (middle), rated C; 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 512 N James St, Champaign, IL compare to other homes in Champaign 61821?

Among the 10,355 homes in Champaign 61821, it is worth more than 18% of them ($138,933 against a typical $196,910), its price per square foot is higher than 58% of them ($174 against a typical $163), it is bigger than 6% of them (800 ft² against a typical 1,169 ft²) and it is newer than 10% of them (1932 against a typical 1961). Measured against all of Champaign County, it is worth more than 20% 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 512 N James St, Champaign, IL?

The 2024 property tax bill for 512 N James St, Champaign, IL was $2,419. The county assessed it at $33,740.

Closest homes

More homes in Champaign 61821

Assigned schools

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