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Residential (General/Single)Residential
$282,482$154 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $247,500 on Jan 24, 2025

402 S WATER ST

SAINT JOSEPH, IL 61873
1
Baths
1,840 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$282K
$268K low$297K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$247,500 · Jan 24, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,530 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$68,880 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$55,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$206,640

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
StyleThe architectural style of the home, such as ranch or colonial.A-Frame
CountyCHAMPAIGN
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
St Joseph-Ogden High SchoolA
High · Grades 9–12 · 0.5 mi
E
St Joseph Elementary SchoolA
Elementary · Grades PK–4 · 0.5 mi
M
St Joseph Middle SchoolA+
Middle · Grades 5–8 · 0.6 mi

District: St. Joseph Community Consolidated School District 169

Neighborhood · ZIP 61873These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.51
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.6,216
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.94 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,849
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$116,361
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

402 S Water St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 66% of homes in Champaign County
  • Costs less per square foot than 81% of homes in Saint Joseph 61873
  • Bigger than 87% of homes in Champaign County
  • Has a bigger lot than 71% of homes in Champaign County
  • Older than 80% of homes in Saint Joseph 61873

What homes are worth in Saint Joseph 61873

Each bar is how many homes fall in that price range. The marker is this home.

This home
$117K$587K

This home is worth more than 56% of homes in Saint Joseph 61873.

How it measures up in Saint Joseph 61873

The dot is this home. The mark in the middle is the typical home in Saint Joseph 61873.

Estimated value$282,482
CheaperTypical $268,162Pricier

Pricier than 56% of homes nearby

Price per ft²$154
CheaperTypical $185Pricier

Pricier than 19% of homes nearby

Living area1,840 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 80% of homes nearby

Lot size0.33 ac
SmallerTypical 0.42 acBigger

Bigger than 44% of homes nearby

Year built1959
OlderTypical 1994Newer

Newer than 20% of homes nearby

How 402 S Water St ranks against every home in each area.
MeasureThis homeSaint Joseph 61873Champaign County
Estimated valuepricier than$282,48256% of homes66% of homes
Price per ft²pricier than$15419% of homes42% of homes
Living areabigger than1,840 ft²80% of homes87% of homes
Lot sizebigger than0.33 ac44% of homes71% of homes
Year builtnewer than195920% of homes44% of homes

About 402 S Water St

How much is 402 S Water St, Saint Joseph, IL worth?

The TopHap Estimate for 402 S Water St, Saint Joseph, IL is $282,482 as of Sep 24, 2026. The likely range is $268,376 to $296,588. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 402 S Water St, Saint Joseph, IL last sell?

402 S Water St, Saint Joseph, IL last sold on Jan 24, 2025 for $247,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 402 S Water St, Saint Joseph, IL?

402 S Water St, Saint Joseph, IL has 1 bathrooms, 1,840 square feet of living space and a 0.33-acre lot.

When was 402 S Water St, Saint Joseph, IL built?

402 S Water St, Saint Joseph, IL was built in 1959, making it 67 years old. It is a a-frame home. The building has 1 story.

What schools serve 402 S Water St, Saint Joseph, IL?

402 S Water St, Saint Joseph, IL is assigned to St Joseph-Ogden High School (high), rated A; St Joseph Elementary School (elementary), rated A; St Joseph Middle School (middle), rated A+. All sit in St. Joseph Community Consolidated School District 169. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 402 S Water St, Saint Joseph, IL compare to other homes in Saint Joseph 61873?

Among the 2,245 homes in Saint Joseph 61873, it is worth more than 56% of them ($282,482 against a typical $268,162), its price per square foot is higher than 19% of them ($154 against a typical $185), it is bigger than 80% of them (1,840 ft² against a typical 1,456 ft²), its lot is bigger than 44% of them (0.33 ac against a typical 0.42 ac) and it is newer than 20% of them (1959 against a typical 1994). Measured against all of Champaign County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 402 S Water St, Saint Joseph, IL?

The 2024 property tax bill for 402 S Water St, Saint Joseph, IL was $4,530. The county assessed it at $68,880.

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