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

Champaign County property record for 404 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,300 sqft · built 1965
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$98,700 (Mar 2014)
Tax Bill	$3,158 (2024)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-176-015`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-176-015`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	404 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9004
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 April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 542, SAINT JOSEPH, IL 61873-0542
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2014 · Amount on Record
Deed Sale	Mar 26, 2014 · Amount on Record
Deed Document Number	20144625
Prior Transfer Date	Feb 25, 2014
Prior Transfer Doc	0000004625
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	404 E ETHEL ST, SAINT JOSEPH, IL 61873-9004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIED COMPNY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000327
Date	Jan 8, 2019
Instrument	2019R00327

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.2%
Type Change Date	Jan 1, 2049

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		$47,930 (+25.31%) Land $9,500 Building $38,430	$143,790 (+25.31%) Land $28,500 Building $115,290
2024	$3,158.00 (+11.47%)
2022	$2,833.00	$38,250 Land $7,580 Building $30,670	$114,750 Land $22,740 Building $92,010

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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