416 Laurel Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 416 Laurel Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,272 sqft · built 1994
Lot Size	0.225 acres (9,814 sqft)
Owner	Individual Name on Record
Tax Bill	$4,475 (2024)
Deeds & Mortgages	Oct 2017 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-11-458-009`

Property Details

APN / Parcel Number

Primary APN	`28-22-11-458-009`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,272 sqft Living Area
Gross Area	2,984 sqft
1st Floor Area	1,272 sqft
Basement Area	1,272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	9,814 sqft (0.225 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	184 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	416 LAUREL DR
City	SAINT JOSEPH
State	IL
Zip	61873-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 162 WOODARDS CRESTWOOD SUB 5TH ADD
Legal Range	10E
Legal Township	19N
Legal Section	11
Legal Subdivision	WOODARDS CRESTWOOD SUB 5TH ADD
Legal Lot Number	162
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2028
Census Tract	10701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	416 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2017	Deed of Trust, Mortgage · Line of Credit FISHER NATIONAL BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FISHER NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	416 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018918
Date	Oct 3, 2017
Instrument	2017R18918

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	MAHOMET, IL 61853

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 30, 2022

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	416 LAUREL DR, SAINT JOSEPH, IL 61873-9420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021947
Date	Oct 23, 2020
Instrument	2020R21947

Lender

Name	FISHER NATIONAL BANK
Type	Bank
Address	MAHOMET, IL 61853

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2%

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		$74,700 (+25.31%) Land $15,850 Building $58,850	$224,100 (+25.31%) Land $47,550 Building $176,550
2024	$4,475.00 (+13.49%)
2022	$3,943.00 Homeowner's exemption	$59,610 Land $12,650 Building $46,960	$178,830 Land $37,950 Building $140,880

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

Flood

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

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 319 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
Nextlink Fixed Wireless	800 / 400
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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