102 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 102 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on File
Last Sale	$102,000 (Jan 2022)
Tax Bill	$1,980 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-179-001`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-179-001`

Exterior

Lot Area	10,400 sqft (0.239 acres)

Location & Zoning

Street Address	102 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS PT 1, PT 2 BLOCK 4 HALES, E.B., 2ND ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	HALES, E.B., 2ND ADD
Legal Block	4
Legal Lot Number	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1014
Census Tract	10901

Owner

102 S Adams St is owned and occupied by two individuals who bought it in January 2022.

Source: Champaign County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 S ADAMS ST, PHILO, IL 61864-9561
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
Jun 27, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jan 26, 2022	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2022 · Amount on File
Deed Sale	Jan 26, 2022 · Amount on File
Deed Document Number	20221698
Prior Transfer Date	Jun 22, 2012
Prior Transfer Doc	0000015401
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	102 S ADAMS ST, PHILO, IL 61864-9561
Transaction Type	Mortgage
Record Updated	Aug 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 S ADAMS ST, PHILO, IL 61864-9561

Mortgage

Document Number	0000008597
Date	Jun 27, 2023
Instrument	2023R08597

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Feb 1, 2052

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 26, 2022
Property Address	102 S ADAMS ST, PHILO, IL 61864-9561
Document Number	0000001698
Map Reference	MB A PG 148
Instrument Date	Jan 18, 2022
Instrument	2022R01698
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ILLINOIS TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 S ADAMS ST, PHILO, IL 61864-9561

Mortgage

Document Number	0000001699
Date	Jan 26, 2022
Instrument	2022R01699

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Philo Township
Municipality	Philo Village
Unified School District	Tolono Community Unit School District 7 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,090 Land $4,000 Building $32,090	$108,270 Land $12,000 Building $96,270
2024	$1,980.00
2022	$1,833.00	$28,860 Land $3,200 Building $25,660	$86,580 Land $9,600 Building $76,980

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 102 S Adams St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 102 S Adams St is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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	AQUA ILLINOIS-PHILO private · serves 1,378 people · EPA ID IL0190600
Water Source	Purchased groundwater from IL AMERICAN-CHAMPAIGN
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2026–2028) 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	500 / 100

May also be available: MF Wireless.

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