Champaign County property record for 401 Prospect St, Saint Joseph, IL 61873
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Sep 2023) |
| Tax Bill | $1,861 (2024) |
| Deeds & Mortgages | Oct 2023 Transfer Sep 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-22-14-180-009 |
| Primary APN | 28-22-14-180-009 |
|---|
| Lot Area | 9,583 sqft (0.22 acres) |
|---|
| Street Address | 401 PROSPECT ST |
|---|---|
| City | SAINT JOSEPH |
| State | IL |
| Zip | 61873-8811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 10E |
| Legal Township | 19N |
| Legal Section | 14 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | ST. JOSEPH |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10701 |
401 Prospect St is owned and occupied by two individuals who acquired it in September 2023.
Source: Champaign County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 PROSPECT ST, SAINT JOSEPH, IL 61873-8811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2023 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 6, 2023 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on File |
| Deed Sale | Sep 6, 2023 · Amount on File |
| Deed Document Number | 202312731 |
| Last Transfer Date | Sep 27, 2023 |
| Transfer Doc | 0000014452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Oct 6, 2023 |
| Property Address | 401 PROSPECT ST, SAINT JOSEPH, IL 61873-8811 |
| Document Number | 0000014452 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 2023R14452 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 401 PROSPECT ST, SAINT JOSEPH, IL 61873-8811 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Sep 6, 2023 |
| Property Address | 401 PROSPECT ST, SAINT JOSEPH, IL 61873-8811 |
| Document Number | 0000012731 |
| Instrument Date | Aug 30, 2023 |
| Instrument | 2023R12731 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 PROSPECT ST, SAINT JOSEPH, IL 61873-8811 |
Source: Champaign County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $34,470 Land $9,260 Building $25,210 | $103,410 Land $27,780 Building $75,630 | |
| 2024 | $1,861.00 | ||
| 2022 | $2,043.00 | $27,510 Land $7,390 Building $20,120 | $82,530 Land $22,170 Building $60,360 |
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.
FEMA maps place 401 Prospect St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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.
The area around 401 Prospect 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.
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 |
| 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.
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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