1500 Locust Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 1500 Locust Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Lot Size	0.245 acres (10,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,500 (Jul 2018)
Tax Bill	$6,191 (2024)
Deeds & Mortgages	Aug 2020 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-12-352-029`

Property Details

APN / Parcel Number

Primary APN	`28-22-12-352-029`

Exterior

Lot Area	10,666 sqft (0.245 acres)

Location & Zoning

Street Address	1500 LOCUST DR
City	SAINT JOSEPH
State	IL
Zip	61873-9065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 303 WOODARDS CRESTLAKE SUB NO 3
Legal Range	10E
Legal Township	19N
Legal Section	12
Legal Subdivision	WOODARDS CRESTLAKE SUB NO 3
Legal Lot Number	303
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2029
Census Tract	10701

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	1500 LOCUST DR, SAINT JOSEPH, IL 61873-9065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Deed Document Number	201811330
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1500 LOCUST DR, SAINT JOSEPH, IL 61873-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016696
Date	Aug 20, 2020
Instrument	2020R16696

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1500 LOCUST DR, SAINT JOSEPH, IL 61873-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012031
Date	Jun 30, 2020
Instrument	2020R12031

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 5, 2018
Property Address	1500 LOCUST DR, SAINT JOSEPH, IL 61873-9065
Document Number	0000011330
Map Reference	DOC98R34499
Instrument Date	Jun 3, 2018
Instrument	2018R11330
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1500 LOCUST DR, SAINT JOSEPH, IL 61873-9065

Mortgage

Document Number	0000011331
Date	Jul 5, 2018
Instrument	2018R11331

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

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
Municipality	St. Joseph Village
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		$100,900 (+25.29%) Land $19,760 Building $81,140	$302,700 (+25.29%) Land $59,280 Building $243,420
2024	$6,191.00 (+12.93%)
2022	$5,482.00 Homeowner's exemption	$80,530 Land $15,770 Building $64,760	$241,590 Land $47,310 Building $194,280

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Not rated no burnable land within 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	IL AMERICAN-CHAMPAIGN private · serves 150,000 people · EPA ID IL0195300
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	800 / 400
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Fidium Fiber.

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