604 E Ethel St, Saint Joseph, IL 61873 Property Records

Champaign County property record for 604 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 832 sqft · built 1925
Lot Size	0.198 acres (8,631 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Sep 2026)
Tax Bill	$1,760 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-252-005`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-252-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
Gross Area	2,024 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	8,631 sqft (0.198 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	604 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 WOODINS, J.J., 2ND ADD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	WOODINS, J.J., 2ND ADD
Legal Lot Number	6
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3029
Census Tract	10701

Owner

Source: Champaign County records, as of October 13, 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	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit LONGVIEW BANK
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit LONGVIEW BANK
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Oct 5, 2018	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Document Number	202614873
Prior Transfer Date	Nov 16, 2004
Prior Transfer Doc	0000036371
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 22, 2026
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Document Number	0000014873
Instrument Date	Sep 17, 2026
Instrument	202614873
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$27,118.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008

Mortgage

Document Number	0000014874,
Date	Sep 22, 2026
Instrument	202614874

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 PETERS DR, SAINT JOSEPH, IL 61873-8818

Mortgage

Document Number	0000018177
Date	Dec 29, 2023
Instrument	2023R18177

Lender

Name	LONGVIEW BANK
Type	Bank
Address	SAINT JOSEPH, IL 61873

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 PETERS DR, SAINT JOSEPH, IL 61873-8818

Mortgage

Document Number	0000003743
Date	Mar 29, 2023
Instrument	2023R03743

Lender

Name	LONGVIEW BANK
Type	Bank
Address	OGDEN, IL 61859

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009673
Date	Jun 3, 2020
Instrument	2020R09673

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000431
Date	Jan 10, 2020
Instrument	2020R00431

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	4%

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	604 E ETHEL ST, SAINT JOSEPH, IL 61873-9008
Document Number	0000017901
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 E ETHEL ST ST JOSEPH IL 618739008, ST JOSEPH, IL 61873-9008

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	$1,760.00 (+3.83%)	$25,600 (+25.24%) Land $8,680 Building $16,920	$76,800 (+25.24%) Land $26,040 Building $50,760
2024	$1,695.00 (+11.29%)
2022	$1,523.00	$20,440 Land $6,930 Building $13,510	$61,320 Land $20,790 Building $40,530

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 103 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: MF Wireless, Nextlink.

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