407 2nd Ct, Saint Joseph, IL 61873 Property Records

Champaign County property record for 407 2nd Ct, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,104 sqft · built 1978
Lot Size	0.418 acres (18,250 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Aug 2019)
Tax Bill	$4,313 (2024)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-152-047`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-152-047`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,104 sqft Gross Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	18,250 sqft (0.418 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	407 2ND CT
City	SAINT JOSEPH
State	IL
Zip	61873-9143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 84 WOODARDS SOUTHGATE SUB 3RD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	WOODARDS SOUTHGATE SUB 3RD
Legal Lot Number	84
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	1
Census Block	1015
Census Tract	10701

Owner

407 2nd Ct is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 30, 2019	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Prior Sale	May 26, 2016 · Amount on File
Deed Document Number	201914171
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001031
Date	Jan 22, 2026
Instrument	2026R01031

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

Interest

Rate	10.7%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143
Transaction Type	Mortgage
Record Updated	Apr 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003712
Date	Mar 27, 2024
Instrument	2024R03712

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026852
Date	Nov 10, 2021
Instrument	2021R26852

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 30, 2019
Property Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143
Document Number	0000014171
Map Reference	MB Y PG 148
Instrument Date	Aug 29, 2019
Instrument	2019R14171
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	407 2ND CT, SAINT JOSEPH, IL 61873-9143

Mortgage

Document Number	0000014172
Date	Aug 30, 2019
Instrument	2019R14172

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$71,920 Land $12,400 Building $59,520	$215,760 Land $37,200 Building $178,560
2024	$4,313.00
2022	$3,802.00 Homeowner's exemption	$57,410 Land $9,900 Building $47,510	$172,230 Land $29,700 Building $142,530

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 407 2nd 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 407 2nd 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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