415 Laurel Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 415 Laurel Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 962 sqft · built 1994
Lot Size	0.225 acres (9,790 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Feb 2019)
Tax Bill	$4,043 (2024)
Deeds & Mortgages	Dec 2019 Loan Modification Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-11-457-024`

Property Details

APN / Parcel Number

Primary APN	`28-22-11-457-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	962 sqft Living Area
Gross Area	2,452 sqft
1st Floor Area	962 sqft
Basement Area	962 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	9,790 sqft (0.225 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	322 sqft
Deck Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 LAUREL DR
City	SAINT JOSEPH
State	IL
Zip	61873-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 128 WOODARDS CRESTWOOD SUB 5TH ADD
Legal Range	10E
Legal Township	19N
Legal Section	11
Legal Subdivision	WOODARDS CRESTWOOD SUB 5TH ADD
Legal Lot Number	128
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2027
Census Tract	10701

Owner

415 Laurel Dr is owned and occupied by two individuals who bought it in February 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	415 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 1, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2019 · Amount on File
Deed Sale	Feb 1, 2019 · Amount on File
Prior Sale	Oct 11, 2005 · Amount on File
Deed Document Number	20191410
Record Updated	Oct 29, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	415 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Document Number	0000021800
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	ALLIED CAPITAL TITLE, ALLIED CAP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	415 LAUREL DR ST JOSEPH IL 618739420, ST JOSEPH, IL 61873-9420

Mortgage

Document Number	0000021800
Date	Dec 27, 2019
Instrument	21800

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 1, 2019
Property Address	415 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Document Number	0000001410
Map Reference	MB BB PG 252
Instrument Date	Jan 28, 2019
Instrument	2019R01410
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	$253.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	415 LAUREL DR, SAINT JOSEPH, IL 61873-9420

Mortgage

Document Number	0000001412
Date	Feb 1, 2019
Instrument	2019R01412

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 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		$68,090 Land $15,850 Building $52,240	$204,270 Land $47,550 Building $156,720
2024	$4,043.00
2022	$3,556.00 Homeowner's exemption	$54,350 Land $12,650 Building $41,700	$163,050 Land $37,950 Building $125,100

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 415 Laurel Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

The area around 415 Laurel Dr 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 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 446 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
Volo.net Internet+Tech Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Fidium Fiber, Nextlink.

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