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4103 E Oaks Road, Urbana, IL 61802.
Looking for land to build near Urbana with no HOA? This 1.25-acre lot at 4103 E. Oaks Road N. offers the rare chance to design your own home just minutes from town. Ideal for buyers seeking a buildable country setting with only county zoning restrictions. Set in a quiet rural pocket just outside Urbana, this 2-bedroom property sits on a flat, highly desirable lot with mature trees and open potential. The existing structure is a tear down, opening the door for your custom vision. A freestanding single-car garage remains, along with a septic system and private well-both available but not confirmed operational. This land offers flexible use with no HOA oversight, so you're free to build how you want-whether a custom home, hobby farm, or future retreat. The only restrictions are those set by Champaign County zoning. Enjoy the space and peace of country living with quick access to Urbana's schools, shops, and commuter routes. If you've been searching for a clean slate in a sought-after location, this is your opportunity.
MLS ID: 12576616
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4103 E Oaks Road, Urbana, IL 61802.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $150,000 | $150,000 | $150,000 |
| Down Payment | $30,000 | $5,250 | $37,500 |
| Monthly Mortgage Amount | $691 | $848 | $897 |
| Taxes | $209 | $209 | $209 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $66 | $0 |
| Monthly Estimated Total | $1,000 | $1,223 | $1,206 |