401 E Douglas St, Saint Joseph, IL 61873 Property Records

Champaign County property record for 401 E Douglas St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1956
Lot Size	0.283 acres (12,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Jun 2026)
Tax Bill	$2,910 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-176-007`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-176-007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	12,316 sqft (0.283 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 E DOUGLAS ST
City	SAINT JOSEPH
State	IL
Zip	61873-9019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 2 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	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3023
Census Tract	10701

Owner

Source: Champaign County records, as of July 20, 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	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Dec 5, 2025	Deed of Trust, Mortgage · Closed-End Mortgage THE GIFFORD STATE BANK
Oct 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage THE GIFFORD STATE BANK
Jan 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK
Jan 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Oct 17, 2012 · Amount on Record
Deed Document Number	20269724
Prior Transfer Date	Nov 1, 2011
Prior Transfer Doc	0000022933
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 25, 2026
Property Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Document Number	0000009724
Instrument Date	Jun 22, 2026
Instrument	20269724
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019

Mortgage

Document Number	0000009725,
Date	Jun 25, 2026
Instrument	20269725

Lender

Name	NEIGHBORS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.88%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019

Mortgage

Document Number	0000018683
Date	Dec 5, 2025
Instrument	2025R18683

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 15, 2030

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 19, 2022
Property Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Document Number	0000018938
Map Reference	MB A PG 52
Instrument Date	Oct 7, 2022
Instrument	2022R18938
Transaction Type	Transfer
Record Updated	Oct 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019

Mortgage

Document Number	0000018939
Date	Oct 19, 2022
Instrument	2022R18939

Lender

Name	THE GIFFORD STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 7, 2023

Interest

Rate	5.5%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000177
Date	Jan 4, 2019
Instrument	2019R00177

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	401 E DOUGLAS ST, SAINT JOSEPH, IL 61873-9019
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000176
Date	Jan 4, 2019
Instrument	2019R00176

Lender

Name	BUSEY BANK
Type	Bank
Address	SAINT JOSEPH, IL 61873

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Monthly

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	$2,910.00 (+4.64%)	$48,520 (+25.31%) Land $10,590 Building $37,930	$145,560 (+25.31%) Land $31,770 Building $113,790
2024	$2,781.00 (+14.59%)
2022	$2,427.00 Homeowner's exemption	$38,720 Land $8,450 Building $30,270	$116,160 Land $25,350 Building $90,810

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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