707 Northgate Dr, Saint Joseph, IL 61873 Property Records

Champaign County property record for 707 Northgate Dr, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,648 sqft · built 2003
Lot Size	0.175 acres (7,617 sqft)
Owner	Individual Name on File
Tax Bill	$894 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-11-404-017`

Property Details

APN / Parcel Number

Primary APN	`28-22-11-404-017`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,648 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	1,648 sqft
Basement Area	1,648 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	7,617 sqft (0.175 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	184 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	707 NORTHGATE DR
City	SAINT JOSEPH
State	IL
Zip	61873-8202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 101 THE MEADOWS OF ST JOSEPH 2ND SUB
Legal Range	10E
Legal Township	19N
Legal Section	11
Legal Subdivision	THE MEADOWS OF ST JOSEPH 2ND SUB
Legal Lot Number	101
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2004
Census Tract	10701

Owner

707 Northgate Dr is owned and occupied by an individual who acquired it in March 2025.

Source: Champaign County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	707 NORTHGATE DR, SAINT JOSEPH, IL 61873-8202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 26, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2025
Deed Sale	Mar 7, 2025
Prior Sale	Nov 26, 2019 · Amount on File
Deed Document Number	20253026
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 10, 2026
Property Address	707 NORTHGATE DR, SAINT JOSEPH, IL 61873-8202
Document Number	0000012517
Instrument Date	Aug 3, 2026
Instrument	202612517
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 NORTHGATE DR, SAINT JOSEPH, IL 61873-8202

Mortgage

Document Number	0000012518,
Date	Aug 10, 2026
Instrument	202612518

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	707 NORTHGATE DR, SAINT JOSEPH, IL 61873-8202
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002250
Date	Feb 1, 2021
Instrument	2021R02250

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.49%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 26, 2019
Property Address	707 NORTHGATE DR, SAINT JOSEPH, IL 61873-8202
Document Number	0000019932
Instrument Date	Nov 25, 2019
Instrument	19932
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	707 NORTHGATE DR ST JOSEPH IL 618738202, ST JOSEPH, IL 61873-8202

Mortgage

Document Number	19933
Date	Nov 26, 2019
Instrument	19933

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 707 Northgate Dr was $894, down 80.9% from the year before.

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	$894.00 (-80.86%)	$76,650 Land $15,400 Building $61,250	$229,950 Land $46,200 Building $183,750
2024	$4,672.00
2022	$4,058.00 Homeowner's exemption	$61,170 Land $12,290 Building $48,880	$183,510 Land $36,870 Building $146,640

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

Flood

FEMA maps place 707 Northgate Dr in Zone X, an area of minimal flood risk.

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

The area around 707 Northgate Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Northgate Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures