511 Laurel Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 511 Laurel Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,872 sqft · built 1994
Lot Size	0.232 acres (10,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,500 (Jul 2021)
Tax Bill	$5,168 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28-22-11-457-016`

Property Details

APN / Parcel Number

Primary APN	`28-22-11-457-016`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,872 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,872 sqft
Basement Area	1,872 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	Raised
Roof Material	Other
Lot Area	10,087 sqft (0.232 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	304 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	511 LAUREL DR
City	SAINT JOSEPH
State	IL
Zip	61873-9405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 136 WOODARDS CRESTWOOD SUB 5TH ADD
Legal Range	10E
Legal Township	19N
Legal Section	11
Legal Subdivision	WOODARDS CRESTWOOD SUB 5TH ADD
Legal Lot Number	136
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2027
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	2 Individual Names on Record
Mailing Address	511 LAUREL DR, SAINT JOSEPH, IL 61873-9405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 25, 2020	Loan Modification, Mortgage · Conventional Mortgage PROSPECT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Sep 14, 2004 · Amount on Record
Deed Document Number	202117717
Prior Transfer Date	Apr 5, 2011
Prior Transfer Doc	0000007073
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 28, 2021
Property Address	511 LAUREL DR, SAINT JOSEPH, IL 61873-9405
Document Number	0000017717
Map Reference	MB BB PG 252
Instrument Date	Jul 25, 2021
Instrument	2021R17717
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
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	511 LAUREL DR, SAINT JOSEPH, IL 61873-9405

Mortgage

Document Number	0000017718
Date	Jul 28, 2021
Instrument	2021R17718

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	511 LAUREL DR, SAINT JOSEPH, IL 61873-9405
Document Number	0000002168
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 LAUREL DR ST JOSEPH IL 618739405, ST JOSEPH, IL 61873-9405

Mortgage

Document Number	0000002168
Date	Feb 10, 2020
Instrument	2168

Lender

Name	PROSPECT BK
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$85,290 (+25.3%) Land $15,850 Building $69,440	$255,870 (+25.3%) Land $47,550 Building $208,320
2024	$5,168.00 (+13.18%)
2022	$4,566.00 Homeowner's exemption	$68,070 Land $12,650 Building $55,420	$204,210 Land $37,950 Building $166,260

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

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 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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