406 Paul Ct, Saint Joseph, IL 61873 Property Records

Champaign County property record for 406 Paul Ct, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Lot Size	0.343 acres (14,923 sqft)
Owner	Individual Name on File
Last Sale	$119,000 (Aug 2012)
Tax Bill	$3,721 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-152-041`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-152-041`

Exterior

Lot Area	14,923 sqft (0.343 acres)

Location & Zoning

Street Address	406 PAUL CT
City	SAINT JOSEPH
State	IL
Zip	61873-9142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 78 WOODARDS SOUTHGATE SUB 3RD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	WOODARDS SOUTHGATE SUB 3RD
Legal Lot Number	78
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1015
Census Tract	10701

Owner

406 Paul Ct is owned and occupied by an individual who bought it in August 2012.

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

Owner of Record	Individual Name on File
Mailing Address	406 PAUL CT, SAINT JOSEPH, IL 61873-9142
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF GIBSON CITY
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF ILLINOIS EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2012 · Amount on File
Deed Sale	Aug 24, 2012 · Amount on File
Prior Sale	Mar 23, 2006 · Amount on File
Deed Document Number	201221378
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 22, 2022
Property Address	406 PAUL CT, SAINT JOSEPH, IL 61873-9142
Document Number	0000007213
Map Reference	MB Y PG 148
Instrument Date	Apr 18, 2022
Instrument	2022R07213
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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
Address	405 PAUL CT, SAINT JOSEPH, IL 61873-9142

Mortgage

Document Number	0000007214
Date	Apr 22, 2022
Instrument	2022R07214

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.62%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 PAUL CT, SAINT JOSEPH, IL 61873-9142
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004608
Date	Mar 11, 2022
Instrument	2022R04608

Lender

Name	BANK OF GIBSON CITY
Type	Bank
Address	GIBSON CITY, IL 60936

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 28, 2023

Interest

Rate	4.95%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 PAUL CT, SAINT JOSEPH, IL 61873-9142
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011471
Date	Jun 27, 2017
Instrument	2017R11471

Lender

Name	UNIVERSITY OF ILLINOIS EMPLOYEES CU
Type	Credit Union
Address	06182

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$62,870 Land $12,480 Building $50,390	$188,610 Land $37,440 Building $151,170
2024	$3,721.00
2022	$3,270.00 Homeowner's exemption	$50,180 Land $9,960 Building $40,220	$150,540 Land $29,880 Building $120,660

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 406 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 406 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 99.1% of the US · lower than 94% 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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