Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$212,705
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 $210,000 on Apr 7, 2026

515 CLEARWATER DR

CHAMPAIGN, IL 61822
0
Baths
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$213K
$201K low$225K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$210,000 · Apr 7, 2026
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.$55,205
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,164
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.74%
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.$157,500
BUSEY BANK · 6.5% 2 · recorded Apr 7, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,501 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$59,560 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,030
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$47,530
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$178,680

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.10 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
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyCHAMPAIGN
Lot (acres)The size of the land the home sits on, from county records.0.13
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

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.Absentee owner
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

515 Clearwater 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 86% of homes in Champaign 61822
  • Has a smaller lot than 83% 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$790K

This home is worth more than 14% 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$212,705
CheaperTypical $340,924Pricier

Pricier than 14% of homes nearby

Lot size0.13 ac
SmallerTypical 0.23 acBigger

Bigger than 24% of homes nearby

How 515 Clearwater Dr ranks against every home in each area.
MeasureThis homeChampaign 61822Champaign County
Estimated valuepricier than$212,70514% of homes44% of homes
Lot sizebigger than0.13 ac24% of homes17% of homes

About 515 Clearwater Dr

How much is 515 Clearwater Dr, Champaign, IL worth?

The TopHap Estimate for 515 Clearwater Dr, Champaign, IL is $212,705 as of Jul 14, 2026. The likely range is $200,602 to $224,808. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 515 Clearwater Dr, Champaign, IL last sell?

515 Clearwater Dr, Champaign, IL last sold on Apr 7, 2026 for $210,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

What schools serve 515 Clearwater Dr, Champaign, IL?

515 Clearwater Dr, 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 515 Clearwater Dr, Champaign, IL compare to other homes in Champaign 61822?

Among the 8,396 homes in Champaign 61822, it is worth more than 14% of them ($212,705 against a typical $340,924) and its lot is bigger than 24% of them (0.13 ac against a typical 0.23 ac). Measured against all of Champaign County, it is worth more than 44% 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 515 Clearwater Dr, Champaign, IL?

The 2025 property tax bill for 515 Clearwater Dr, Champaign, IL was $4,501. The county assessed it at $59,560.

Closest homes

More homes in Champaign 61822

Assigned schools

Explore the area

See this home in context

Open 515 Clearwater Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map