1285 Co Rd 2125 E, Saint Joseph, IL 61873 Property Records

Champaign County property record for 1285 Co Rd 2125 E, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,488 sqft · built 1973
Lot Size	1 acres (85,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Dec 2016)
Tax Bill	$7,103 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-34-101-004`

Property Details

APN / Parcel Number

Primary APN	`28-22-34-101-004`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	3,438 sqft
1st Floor Area	1,488 sqft
Basement Area	1,488 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	A-Frame
Construction Type	Brick
Foundation Type	Raised
Lot Area	85,123 sqft (1 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	132 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1285 COUNTY ROAD 2125 E
City	SAINT JOSEPH
State	IL
Zip	61873-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 CASTLES, M., SUB
Legal Range	10E
Legal Township	19N
Legal Section	34
Legal Subdivision	CASTLES, M., SUB
Legal Lot Number	3
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	4
Census Block	4165
Census Tract	10702

Owner

Source: Champaign County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1285 COUNTY ROAD 2125 E, SAINT JOSEPH, IL 61873-9708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST TRUST & SAVINGS BANK OF WAT
Jul 17, 2018	Deed of Trust, Mortgage · Line of Credit THE GIFFORD STATE BANK
May 10, 2017	Trustee's Deed, Construction Loan · Line of Credit GIFFORD ST BK
Jan 13, 2017	Loan Modification, Mortgage GIFFORD ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2016 · Amount on Record
Deed Sale	Dec 22, 2016 · Amount on Record
Prior Sale	Aug 20, 2012 · Amount on Record
Deed Document Number	201625379
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1285 COUNTY ROAD 2125 E, SAINT JOSEPH, IL 61873-9708
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021014
Date	Sep 2, 2021
Instrument	2021R21014

Lender

Name	THE FIRST TRUST & SAVINGS BANK OF WAT
Address	WATSEKA, IL 60970

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1285 COUNTY ROAD 2125 E, SAINT JOSEPH, IL 61873-9708
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012138
Date	Jul 17, 2018
Instrument	2018R12138

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Sep 15, 2023

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 10, 2017
Property Address	1285 COUNTY ROAD 2125 E, SAINT JOSEPH, IL 61873-9708
Instrument Date	Apr 17, 2017
Instrument	8037
Transaction Type	Construction Loan
Record Updated	May 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2703 FIELDCREST DR URBANA IL 618027693, URBANA, IL 61802-7693

Mortgage

Document Number	0000008037
Date	May 10, 2017
Instrument	8037

Lender

Name	GIFFORD ST BK
Type	Bank
Address	GIFFORD, IL 61847-0400

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 9, 2018

Interest

Rate Type	Adjustable Rate

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	1285 COUNTY ROAD 2125 E, SAINT JOSEPH, IL 61873-9708
Document Number	0000002600
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 COUNTY ROAD 2125 E ST JOSEPH IL 61873, ST JOSEPH, IL 61873

Mortgage

Document Number	0000002600
Date	Feb 14, 2017
Instrument	2600

Lender

Name	GIFFORD ST BK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 13, 2022

Interest

Rate	5.25%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	St. Joseph Township
Elementary School District	St. Joseph Community Consolidated School District 169 (KG - 08)
Secondary School District	St. Joseph-Ogden Community High School District 305 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$126,320 (+30.6%) Land $8,970 Building $117,350	$378,960 (+30.6%) Land $26,910 Building $352,050
2024	$7,103.00 (+12.94%)
2022	$6,289.00 Homeowner's exemption	$96,720 Land $7,160 Building $89,560	$290,160 Land $21,480 Building $268,680

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

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 200
MF Wireless Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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