301 James St, Saint Joseph, IL 61873 Property Records

Champaign County property record for 301 James St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Lot Size	0.43 acres (18,794 sqft)
Owner	2 Individual Names on File
Last Sale	$240,500 (Jul 2025)
Tax Bill	$4,075 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-151-006`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-151-006`

Exterior

Lot Area	18,794 sqft (0.43 acres)

Location & Zoning

Street Address	301 JAMES ST
City	SAINT JOSEPH
State	IL
Zip	61873-9135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 5 JESSUP AND SHORES ADD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	JESSUP AND SHORES ADD
Legal Lot Number	5
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1010
Census Tract	10701

Owner

301 James St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	301 JAMES ST, SAINT JOSEPH, IL 61873-9135
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
Sep 1, 2022	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 16, 2020	Deed of Trust, Mortgage · FHA Mortgage PRIMELENDING
Mar 7, 2019	Grant Deed, Transfer · FHA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2025 · Amount on File
Deed Sale	Jul 18, 2025 · Amount on File
Prior Sale	Sep 1, 2022 · Amount on File
Deed Document Number	202510344
Prior Transfer Date	Mar 4, 2009
Prior Transfer Doc	0000005976
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 1, 2022
Property Address	301 JAMES ST, SAINT JOSEPH, IL 61873-9135
Document Number	0000016277
Map Reference	MB L PG 2
Instrument Date	Aug 30, 2022
Instrument	2022R16277
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	301 JAMES ST 301 JAMES ST, URBANA, IL 61801

Mortgage

Document Number	0000016278
Date	Sep 1, 2022
Instrument	2022R16278

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	301 JAMES ST, SAINT JOSEPH, IL 61873-9135
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026519
Date	Dec 16, 2020
Instrument	2020R26519

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate	2.99%

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 7, 2019
Property Address	301 JAMES ST, SAINT JOSEPH, IL 61873-9135
Document Number	0000003111
Instrument Date	Mar 1, 2019
Instrument	3111
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	301 JAMES ST ST JOSEPH IL 618739135, ST JOSEPH, IL 61873-9135

Mortgage

Document Number	3112
Date	Mar 7, 2019
Instrument	3112

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2049

Interest

Rate	5.75%

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		$68,280 Land $14,970 Building $53,310	$204,840 Land $44,910 Building $159,930
2024	$4,075.00
2022	$3,587.00 Homeowner's exemption	$54,500 Land $11,950 Building $42,550	$163,500 Land $35,850 Building $127,650

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 301 James 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	7 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

Wildfire risk around 301 James 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 96% of the US · lower than 74% 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	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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