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

Champaign County property record for 406 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,008 sqft · built 1982
Lot Size0.211 acres (9,200 sqft)
Owner2 Individual Names on File
Tax Bill$2,618 (2024)
Deeds & MortgagesMay 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN28-22-14-176-023

Property Details

APN / Parcel Number

Primary APN28-22-14-176-023

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,008 sqft Living Area
Gross Area2,304 sqft
1st Floor Area1,008 sqft
Basement Area1,008 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Architectural StyleA-Frame
Exterior MaterialWood
Construction TypeFrame
Foundation TypeNo Foundation
Roof MaterialOther
Lot Area9,200 sqft (0.211 acres)
Garage TypeAttached
Garage Area288 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address406 E ETHEL ST
CitySAINT JOSEPH
StateIL
Zip61873-9004
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 3 FISHERS REPLAT OF PT LT 1 OF SUB OF N 1/2 SE 1/4 NW 1/4 AND NE 1/4 SW 1/4 NW 1/4 SEC. 14-19-10E
Legal Range10E
Legal Township19N
Legal Section14
Legal SubdivisionFISHERS REPLAT OF PT LT 1 OF SUB
Legal Lot Number3,1
JurisdictionCHAMPAIGN IL
Township / Civil DivisionST. JOSEPH
Census Block Group3
Census Block3023
Census Tract10701

Owner

406 E Ethel St is owned and occupied by two individuals who acquired it in August 2011.

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 Record2 Individual Names on File
Mailing Address406 E ETHEL ST, SAINT JOSEPH, IL 61873-9004
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 31, 2011
Transfer Doc0000019507
Record UpdatedJun 8, 2026

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHAMPAIGN IL
Property Address406 E ETHEL ST, SAINT JOSEPH, IL 61873-9004
Document Number0000008412
Instrument DateMay 24, 2019
Transaction TypeMortgage
Record UpdatedJun 24, 2019
Title CompanyCLOSING USA LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address406 E ETHEL ST ST JOSEPH IL 618739004, ST JOSEPH, IL 61873-9004

Mortgage

Document Number0000008412
DateJun 6, 2019
Instrument8412
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 5, 2049
Interest
Rate4.25%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyChampaign County
County SubdivisionSt. Joseph Township
MunicipalitySt. Joseph Village
Elementary School DistrictSt. Joseph Community Consolidated School District 169 (KG - 08)
Secondary School DistrictSt. Joseph-Ogden Community High School District 305 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$46,020 Land $9,000 Building $37,020$138,060 Land $27,000 Building $111,060
2024$2,618.00
2022$2,281.00 Homeowner's exemption$36,740 Land $7,190 Building $29,550$110,220 Land $21,570 Building $88,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 E Ethel St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 406 E Ethel 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 RiskNot 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 SystemIL AMERICAN-CHAMPAIGN
private · serves 150,000 people · EPA ID IL0195300
Water SourceGroundwater
Last State InspectionSep 2025
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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