224 E Ethel St, Saint Joseph, IL 61873 Property Records

Champaign County property record for 224 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,340 sqft · built 1971
Lot Size	0.228 acres (9,921 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jul 2023)
Tax Bill	$2,855 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-176-009`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-176-009`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,340 sqft Living Area
Gross Area	3,280 sqft
1st Floor Area	1,340 sqft
Basement Area	1,340 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	9,921 sqft (0.228 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	224 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 LISTERS REPLAT
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	LISTERS REPLAT
Legal Lot Number	3
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3023
Census Tract	10701

Owner

224 E Ethel St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC
Oct 20, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 1, 2020	Deed of Trust, Mortgage · Conventional with PMI INB NA
Dec 20, 2017	Warranty Deed, Transfer · Line of Credit THE GIFFORD STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	202310004
Prior Transfer Date	Oct 4, 2022
Prior Transfer Doc	0000019010
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 20, 2023
Property Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000
Document Number	0000010004
Map Reference	MB X PG 5
Instrument Date	Jul 14, 2023
Instrument	2023R10004
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000

Mortgage

Document Number	0000010005
Date	Jul 20, 2023
Instrument	2023R10005

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 20, 2022
Property Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000
Document Number	0000019010
Map Reference	MB X PG 5
Instrument Date	Oct 4, 2022
Instrument	2022R19010
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000
Document Number	0000007418
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E ETHEL ST ST JOSEPH IL 618739000, ST JOSEPH, IL 61873-9000

Mortgage

Document Number	0000007418
Date	May 6, 2020
Instrument	7418

Lender

Name	INB NA
Address	SPRINGFIELD, IL 62701

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 20, 2017
Property Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000
Document Number	0000023621
Map Reference	MB X PG5
Instrument Date	Dec 19, 2017
Instrument	2017R23621
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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
Address	224 E ETHEL ST, SAINT JOSEPH, IL 61873-9000

Mortgage

Document Number	0000023622
Date	Dec 20, 2017
Instrument	2017R23622

Lender

Name	THE GIFFORD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Jan 20, 2023

Interest

Rate	4.8%

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		$54,940 Land $9,280 Building $45,660	$164,820 Land $27,840 Building $136,980
2024	$2,855.00
2022	$2,805.00 Homeowner's exemption	$43,860 Land $7,410 Building $36,450	$131,580 Land $22,230 Building $109,350

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 224 E Ethel St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 224 E Ethel St 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 393 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Nextlink.

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