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Single Family ResidenceResidential
$195,811$161 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $115,000 on Aug 6, 2020

405 NORTHGATE DR

SAINT JOSEPH, IL 61873
1
Baths
1,216 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.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$196K
$177K low$214K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$115,000 · Aug 6, 2020
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$86,561
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$69,249
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.58%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$109,250
BUSEY BANK · 3.25% 2 · recorded Aug 6, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,750 (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.$45,690 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,610
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$36,080
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,050
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$137,070

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.A-Frame
CountyChampaign
ConstructionThe main material the home's frame and walls are built from.Wood Frame
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
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(3)

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

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 · 0.4 mi
E
St Joseph Elementary SchoolA-
Elementary · Grades PK–4 · 0.8 mi
M
St Joseph Middle SchoolA
Middle · Grades 5–8 · 0.9 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

405 Northgate Dr 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 less than 89% of homes in Saint Joseph 61873
  • Costs less per square foot than 81% of homes in Saint Joseph 61873
  • Smaller than 73% of homes in Saint Joseph 61873
  • Newer than 70% of homes in Champaign County

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
$116K$603K

This home is worth more than 11% 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$195,811
CheaperTypical $276,398Pricier

Pricier than 11% of homes nearby

Price per ft²$161
CheaperTypical $192Pricier

Pricier than 19% of homes nearby

Living area1,216 ft²
SmallerTypical 1,448 ft²Bigger

Bigger than 27% of homes nearby

Year built1976
OlderTypical 1994Newer

Newer than 36% of homes nearby

How 405 Northgate Dr ranks against every home in each area.
MeasureThis homeSaint Joseph 61873Champaign County
Estimated valuepricier than$195,81111% of homes39% of homes
Price per ft²pricier than$16119% of homes47% of homes
Living areabigger than1,216 ft²27% of homes48% of homes
Year builtnewer than197636% of homes70% of homes

About 405 Northgate Dr

How much is 405 Northgate Dr, Saint Joseph, IL worth?

The TopHap Estimate for 405 Northgate Dr, Saint Joseph, IL is $195,811 as of Jul 14, 2026. The likely range is $177,421 to $214,201. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Northgate Dr, Saint Joseph, IL last sell?

405 Northgate Dr, Saint Joseph, IL last sold on Aug 6, 2020 for $115,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 405 Northgate Dr, Saint Joseph, IL?

405 Northgate Dr, Saint Joseph, IL has 1 bathrooms and 1,216 square feet of living space.

When was 405 Northgate Dr, Saint Joseph, IL built?

405 Northgate Dr, Saint Joseph, IL was built in 1976, making it 50 years old. It is a a-frame home. The building has 1 story.

What schools serve 405 Northgate Dr, Saint Joseph, IL?

405 Northgate Dr, 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 405 Northgate Dr, 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 11% of them ($195,811 against a typical $276,398), its price per square foot is higher than 19% of them ($161 against a typical $192), it is bigger than 27% of them (1,216 ft² against a typical 1,448 ft²) and it is newer than 36% of them (1976 against a typical 1994). Measured against all of Champaign County, it is worth more than 39% 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 405 Northgate Dr, Saint Joseph, IL?

The 2024 property tax bill for 405 Northgate Dr, Saint Joseph, IL was $2,750. The county assessed it at $45,690.

Closest homes

More homes in Saint Joseph 61873

Assigned schools

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