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

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

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,750 sqft · built 1986
Lot Size	0.191 acres (8,303 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Apr 2020)
Tax Bill	$3,862 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-141-001`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-141-001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	3,962 sqft
1st Floor Area	1,750 sqft
Basement Area	1,750 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	8,303 sqft (0.191 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 E SHERMAN ST
City	SAINT JOSEPH
State	IL
Zip	61873-9055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 18 GRIGGS SUB
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	GRIGGS SUB
Legal Block	18
Legal Lot Number	4
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3020
Census Tract	10701

Owner

Source: Champaign County records, as of April 29, 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 SHERMAN ST, SAINT JOSEPH, IL 61873-9055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 9, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on Record
Deed Sale	Apr 9, 2020 · Amount on Record
Deed Document Number	20205625
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	401 E SHERMAN ST, SAINT JOSEPH, IL 61873-9055
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026898
Date	Dec 21, 2020
Instrument	2020R26898

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 9, 2020
Property Address	401 E SHERMAN ST, SAINT JOSEPH, IL 61873-9055
Document Number	0000005625
Map Reference	MB 19 PG 452
Instrument Date	Apr 7, 2020
Instrument	2020R05625
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	401 E SHERMAN ST, SAINT JOSEPH, IL 61873-9055

Mortgage

Document Number	0000005626
Date	Apr 9, 2020
Instrument	2020R05626

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$65,040 (+25.29%) Land $8,680 Building $56,360	$195,120 (+25.29%) Land $26,040 Building $169,080
2024	$3,862.00 (+13.69%)
2022	$3,397.00 Homeowner's exemption	$51,910 Land $6,930 Building $44,980	$155,730 Land $20,790 Building $134,940

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.

Nearby Properties on E Sherman St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures