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

Champaign County property record for 706 E Ethel St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1955
Lot Size	0.233 acres (10,140 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Oct 2020)
Tax Bill	$3,126 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-14-253-010`

Property Details

APN / Parcel Number

Primary APN	`28-22-14-253-010`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
Basement Area	864 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	10,140 sqft (0.233 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	706 E ETHEL ST
City	SAINT JOSEPH
State	IL
Zip	61873-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 COMBS, RUSSELL M., ADD
Legal Range	10E
Legal Township	19N
Legal Section	14
Legal Subdivision	COMBS, RUSSELL M., ADD
Legal Lot Number	9
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 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	Individual Name on File
Mailing Address	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Sep 30, 2019	Warranty Deed, Transfer · Conventional with PMI HICKORY PT BK&TR
Sep 8, 2017	Warranty Deed, Transfer · Line of Credit THE GIFFORD STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Sep 30, 2019 · Amount on File
Deed Document Number	202022305
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 27, 2020
Property Address	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Document Number	0000022305
Map Reference	MB K PG 169
Instrument Date	Oct 10, 2020
Instrument	2020R22305
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount on Record
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	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010

Mortgage

Document Number	0000022306
Date	Oct 27, 2020
Instrument	2020R22306

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 30, 2019
Property Address	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Document Number	0000016168
Instrument Date	Sep 27, 2019
Instrument	16168
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	706 E ETHEL ST ST JOSEPH IL 618739010, ST JOSEPH, IL 61873-9010

Mortgage

Document Number	16169
Date	Sep 30, 2019
Instrument	16169

Lender

Name	HICKORY PT BK&TR
Address	DECATUR, IL 62525

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 8, 2017
Property Address	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010
Document Number	0000017106
Map Reference	MB K PG169
Instrument Date	Aug 23, 2017
Instrument	2017R17106
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	$115.00
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
Address	706 E ETHEL ST, SAINT JOSEPH, IL 61873-9010

Mortgage

Document Number	0000017107
Date	Sep 8, 2017
Instrument	2017R17107

Lender

Name	THE GIFFORD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2022

Interest

Rate	4.75%

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		$53,780 (+25.27%) Land $9,570 Building $44,210	$161,340 (+25.27%) Land $28,710 Building $132,630
2024	$3,126.00 (+14.25%)
2022	$2,736.00 Homeowner's exemption	$42,930 Land $7,640 Building $35,290	$128,790 Land $22,920 Building $105,870

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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