405 Paul Ct, Saint Joseph, IL 61873 Property Records

Champaign County property record for 405 Paul Ct, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,274 sqft · built 1979
Lot Size	0.373 acres (16,231 sqft)
Owner	2 Individual Names on File
Last Sale	$149,000 (Oct 2019)
Tax Bill	$4,072 (2024)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-152-039`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-152-039`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	3,094 sqft
1st Floor Area	1,274 sqft
Basement Area	1,274 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	A-Frame
Construction Type	Frame
Foundation Type	Raised
Lot Area	16,231 sqft (0.373 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 PAUL CT
City	SAINT JOSEPH
State	IL
Zip	61873-9142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 76 WOODARDS SOUTHGATE SUB 3RD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	WOODARDS SOUTHGATE SUB 3RD
Legal Lot Number	76
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1015
Census Tract	10701

Owner

405 Paul Ct is owned and occupied by two individuals who bought it in October 2019.

Source: Champaign County records, as of April 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	405 PAUL CT, SAINT JOSEPH, IL 61873-9142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	May 26, 2010 · Amount on File
Deed Document Number	201917935
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 25, 2019
Property Address	405 PAUL CT, SAINT JOSEPH, IL 61873-9142
Document Number	0000017935
Map Reference	MB Y PG 148
Instrument Date	Oct 23, 2019
Instrument	2019R17935
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 PAUL CT, SAINT JOSEPH, IL 61873-9142

Mortgage

Document Number	0000017936
Date	Oct 25, 2019
Instrument	2019R17936

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.48%

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		$68,240 Land $12,480 Building $55,760	$204,720 Land $37,440 Building $167,280
2024	$4,072.00
2022	$3,585.00 Homeowner's exemption	$54,460 Land $9,960 Building $44,500	$163,380 Land $29,880 Building $133,500

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

FEMA maps place 405 Paul Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

Wildfire risk around 405 Paul Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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