124 S Joy St, Oneida, IL 61467 Property Records

Knox County property record for 124 S Joy St, Oneida, IL 61467

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1880
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Sep 2025)
Tax Bill	$2,292 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-36-186-004`

Property Details

APN / Parcel Number

Primary APN	`02-36-186-004`

Interior

Stories	2 Stories
Building Area	896 sqft Base Area
1st Floor Area	896 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	165 ft deep x 82 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	124 S JOY ST
City	ONEIDA
State	IL
Zip	61467-5071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOTS 5 & 6 BLK 21 CITY OF ONEIDA
Legal Subdivision	CITY ONEIDA
Legal Block	21
Legal Lot Number	5,6
Jurisdiction	KNOX IL
Township / Civil Division	ONTARIO
Census Block Group	4
Census Block	4015
Census Tract	100

Owner

124 S Joy St is owned and occupied by an individual who bought it in September 2025.

Source: Knox County records, as of June 18, 2026

Owner of Record	Individual Name on File
Mailing Address	124 S JOY ST, ONEIDA, IL 61467-5071
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Mar 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX IL
Recording Date	Sep 22, 2025
Property Address	124 S JOY ST, ONEIDA, IL 61467-5071
Document Number	0001101549
Instrument Date	Sep 18, 2025
Instrument	1101549
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	WESTERN ILLINOIS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 S JOY ST, ONEIDA, IL 61467-5071

Mortgage

Document Number	0001101550
Date	Sep 22, 2025
Instrument	1101550

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX IL
Recording Date	Mar 27, 2017
Property Address	124 S JOY ST, ONEIDA, IL 61467-5071
Document Number	0001039935
Instrument Date	Mar 22, 2017
Instrument	1039935
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	124 S JOY ST ONEIDA IL 614675071, ONEIDA, IL 61467-5071

Tax Assessment & Valuation

The 2025 property tax bill for 124 S Joy St was $2,292, up 742.6% from the year before.

Source: Knox County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Knox County
County Subdivision	Ontario Township
Municipality	Oneida City
Unified School District	ROWVA Community Unit School District 208 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,292.00 (+742.65%)	$28,390 (+3.8%) Land $2,340 Building $26,050	$85,170 (+3.8%) Land $7,020 Building $78,150
2024	$272.00	$27,350 Land $2,250 Building $25,100	$82,050 Land $6,750 Building $75,300
2022	$280.00	$22,550 Land $1,870 Building $20,680	$67,650 Land $5,610 Building $62,040

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 124 S Joy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 124 S Joy St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ONEIDA serves 644 people · EPA ID IL0950400
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Oneida Network Services Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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