810 N 4th St, Saint Joseph, IL 61873 Property Records

Champaign County property record for 810 N 4th St, Saint Joseph, IL 61873

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1976
Lot Size	0.308 acres (13,395 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Sep 2020)
Tax Bill	$4,059 (2024)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-22-11-331-001`

Property Details

APN / Parcel Number

Primary APN	`28-22-11-331-001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	3,268 sqft
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	A-Frame
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,395 sqft (0.308 acres)
Garage Type	Attached
Garage Area	772 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	810 N 4TH ST
City	SAINT JOSEPH
State	IL
Zip	61873-9232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 WOODARDS MEADOW PARK 1ST SUB
Legal Range	10E
Legal Township	19N
Legal Section	11
Legal Subdivision	WOODARDS MEADOW PARK 1ST SUB
Legal Lot Number	21
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2007
Census Tract	10701

Owner

810 N 4th St is owned and occupied by an individual who bought it in September 2020.

Source: Champaign County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 4, 2020	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 17, 2017	Warranty Deed, Transfer · Commercial Mortgage LONGVIEW BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	Nov 14, 2013 · Amount on File
Deed Document Number	202017907
Prior Transfer Date	Mar 9, 2009
Prior Transfer Doc	0000006404
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232

Mortgage

Document Number	0000004043
Date	Apr 4, 2023
Instrument	2023R04043

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Sep 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 4, 2020
Property Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232
Document Number	0000017907
Map Reference	MB X PG 122
Instrument Date	Aug 27, 2020
Instrument	2020R17907
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232

Mortgage

Document Number	0000017908
Date	Sep 4, 2020
Instrument	2020R17908

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 17, 2017
Property Address	810 N 4TH ST, SAINT JOSEPH, IL 61873-9232
Document Number	0000021733
Map Reference	DOC72R08469 MB X PG1
Instrument	2017R21733
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 BLUESTEM, SAVOY, IL 61874-8528

Mortgage

Document Number	0000021734
Date	Nov 17, 2017
Instrument	2017R21734

Lender

Name	LONGVIEW BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

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		$61,990 Land $11,680 Building $50,310	$185,970 Land $35,040 Building $150,930
2024	$4,059.00
2022	$3,639.00	$49,470 Land $9,320 Building $40,150	$148,410 Land $27,960 Building $120,450

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

FEMA maps place 810 N 4th St 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 810 N 4th St 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.

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