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

Champaign County property record for 704 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,252 sqft · built 1956
Lot Size	0.233 acres (10,140 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (May 2021)
Tax Bill	$3,969 (2024)
Deeds & Mortgages	Oct 2026 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-253-011`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-253-011`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,252 sqft Living Area
Gross Area	4,792 sqft
1st Floor Area	2,252 sqft
Basement Area	2,252 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	10,140 sqft (0.233 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	704 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 COMBS, RUSSELL M., ADD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	COMBS, RUSSELL M., ADD
Legal Lot Number	10
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3028
Census Tract	10701

Owner

Source: Champaign County records, as of October 19, 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	704 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
May 18, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Deed Document Number	202111584
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 1, 2026
Property Address	704 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Document Number	0000015401
Instrument Date	Sep 29, 2026
Instrument	202615401
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E ETHEL ST, SAINT JOSEPH, IL 61873-9010

Mortgage

Document Number	0000015401,
Date	Oct 1, 2026
Instrument	202615401

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 18, 2021
Property Address	704 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Document Number	0000011584
Map Reference	MB K PG 169
Instrument Date	May 14, 2021
Instrument	2021R11584
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E ETHEL ST, SAINT JOSEPH, IL 61873-9010

Mortgage

Document Number	0000011585
Date	May 18, 2021
Instrument	2021R11585

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate	3.25%

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		$66,660 (+25.3%) Land $9,570 Building $57,090	$199,980 (+25.3%) Land $28,710 Building $171,270
2024	$3,969.00 (+13.66%)
2022	$3,492.00 Homeowner's exemption	$53,200 Land $7,640 Building $45,560	$159,600 Land $22,920 Building $136,680

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

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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