1703 Locust Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 1703 Locust Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,225 sqft · built 2005
Lot Size	0.296 acres (12,899 sqft)
Owner	Individual Name on File
Last Sale	$239,500 (Feb 2009)
Tax Bill	$6,910 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-12-354-013`

Property Details

APN / Parcel Number

Primary APN	`28-22-12-354-013`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,225 sqft Living Area
Gross Area	3,061 sqft
1st Floor Area	60 sqft
Basement Area	1,225 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	12,899 sqft (0.296 acres)
Garage Type	Attached
Garage Area	611 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1703 LOCUST DR
City	SAINT JOSEPH
State	IL
Zip	61873-8432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 740 WOODARDS CRESTLAKE SUB NO 7
Legal Range	10E
Legal Township	19N
Legal Section	12
Legal Subdivision	WOODARDS CRESTLAKE SUB NO 7
Legal Lot Number	740
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2001
Census Tract	10701

Owner

1703 Locust Dr is owned and occupied by an individual who bought it in February 2009.

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

Owner of Record	Individual Name on File
Mailing Address	1703 LOCUST DR, SAINT JOSEPH, IL 61873-8432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage HICKORY PT BK&TR
Feb 4, 2019	Deed of Trust, Mortgage HICKORY PT BK&TR
Jul 23, 2018	Deed of Trust, Mortgage · Line of Credit HICKORY PT BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2009 · Amount on File
Deed Sale	Feb 23, 2009 · Amount on File
Prior Sale	Nov 15, 2005 · Amount on File
Deed Document Number	20094730
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1703 LOCUST DR, SAINT JOSEPH, IL 61873-8432
Document Number	0000004175
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1703 LOCUST DRIVE ST ST JOSEPH IL 61873, ST JOSEPH, IL 61873

Mortgage

Document Number	0000004175
Date	Mar 28, 2019
Instrument	4175

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.5%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1703 LOCUST DR, SAINT JOSEPH, IL 61873-8432
Document Number	0000002239
Instrument Date	Feb 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1703 LOCUST DR ST JOSEPH IL 618738432, ST JOSEPH, IL 61873-8432

Mortgage

Document Number	0000002239
Date	Feb 19, 2019
Instrument	2239

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1703 LOCUST DR, SAINT JOSEPH, IL 61873-8432
Document Number	0000013543
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1703 LOCUST DR ST JOSEPH IL 618738432, ST JOSEPH, IL 61873-8432

Mortgage

Document Number	0000013543
Date	Aug 6, 2018
Instrument	13543

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 5, 2033

Interest

Rate Type	Adjustable Rate
Rate	5%

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		$111,880 Land $18,630 Building $93,250	$335,640 Land $55,890 Building $279,750
2024	$6,910.00
2022	$6,128.00 Homeowner's exemption	$89,300 Land $14,870 Building $74,430	$267,900 Land $44,610 Building $223,290

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 1703 Locust Dr in Zone X, an area of minimal flood risk.

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

The area around 1703 Locust Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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