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

Champaign County property record for 302 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,244 sqft · built 1953
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Sep 2026)
Tax Bill	$3,821 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-176-011`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-176-011`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,244 sqft Living Area
Gross Area	2,740 sqft
1st Floor Area	1,244 sqft
Basement Area	1,244 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	302 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 4 SUB OF N 1/2 SE 1/4 NW 1/4 AND NE 1/4 SW 1/4 NW 1/4 SEC. 14-19-10
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	SUB
Legal Lot Number	4
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3023
Census Tract	10701

Owner

302 E Ethel St is owned and occupied by an individual who bought it in September 2026.

Source: Champaign County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 15, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 4, 2026	Deed of Trust, Mortgage · Construction Mortgage FISHER NATIONAL BANK
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FISHER NATIONAL BANK
May 11, 2020	Deed of Trust, Mortgage · Line of Credit FISHER NATIONAL BANK
Feb 7, 2020	Deed of Trust, Mortgage FISHER NAT'L BK
Nov 1, 2019	Loan Modification, Mortgage · Line of Credit FISHER NAT'L BK
Jun 20, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FISHER NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on File
Deed Sale	Sep 15, 2026 · Amount on File
Prior Sale	Oct 23, 2017 · Amount on File
Deed Document Number	202614496
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 15, 2026
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Document Number	0000014496
Instrument Date	Sep 11, 2026
Instrument	202614496
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002

Mortgage

Document Number	0000014497,
Date	Sep 15, 2026
Instrument	202614497

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 4, 2026
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Document Number	0000013972
Instrument Date	Sep 1, 2026
Instrument	202613972
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002

Mortgage

Document Number	0000013972,
Date	Sep 4, 2026
Instrument	202613972

Lender

Name	FISHER NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Mar 1, 2027

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002351
Date	Feb 1, 2021
Instrument	2021R02351

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate	2.5%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007700
Date	May 11, 2020
Instrument	2020R07700

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	May 31, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Document Number	0000002354
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 E ETHEL ST ST JOSEPH IL 618739002, ST JOSEPH, IL 61873-9002

Mortgage

Document Number	0000002354
Date	Feb 14, 2020
Instrument	2354

Lender

Name	FISHER NAT'L BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2050

Interest

Rate	3.37%

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Document Number	0000019407
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 E ETHEL ST ST JOSEPH IL 618739002, ST JOSEPH, IL 61873-9002

Mortgage

Document Number	0000019407
Date	Nov 18, 2019
Instrument	19407

Lender

Name	FISHER NAT'L BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 17, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.5%

June 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 20, 2019
Property Address	302 E ETHEL ST, SAINT JOSEPH, IL 61873-9002
Instrument Date	Jun 11, 2019
Instrument	9401
Transaction Type	Construction Loan
Record Updated	Dec 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 E ETHEL ST ST JOSEPH IL 618739002, ST JOSEPH, IL 61873-9002

Mortgage

Document Number	0000009401
Date	Jun 20, 2019
Instrument	9401

Lender

Name	FISHER NAT'L BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 19, 2020

Interest

Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 302 E Ethel St was $3,821, up 4.4% from the year before.

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	$3,821.00 (+4.43%)	$61,920 Land $11,370 Building $50,550	$185,760 Land $34,110 Building $151,650
2024	$3,659.00
2022	$2,426.00 Homeowner's exemption Additional exemption filed	$49,430 Land $9,080 Building $40,350	$148,290 Land $27,240 Building $121,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 302 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 302 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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