103 W Jefferson St, Philo, IL 61864 Property Records

Champaign County property record for 103 W Jefferson St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.305 acres (13,280 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (May 2026)
Tax Bill	$4,249 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-161-004`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-161-004`

Exterior

Lot Area	13,280 sqft (0.305 acres)

Location & Zoning

Street Address	103 W JEFFERSON ST
City	PHILO
State	IL
Zip	61864-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5, PT 6 BLOCK 11 PHILO - ORIGINAL TOWN
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	PHILO - ORIGINAL TOWN
Legal Block	11
Legal Lot Number	5
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1024
Census Tract	10901

Owner

103 W Jefferson St is owned and occupied by two individuals who bought it in May 2026.

Source: Champaign County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 W JEFFERSON ST, PHILO, IL 61864-9553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Aug 11, 2025 · Amount on File
Deed Document Number	20266876
Prior Transfer Date	Mar 11, 2016
Prior Transfer Doc	0000004385
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 11, 2026
Property Address	103 W JEFFERSON ST, PHILO, IL 61864-9553
Document Number	0000006876
Instrument Date	May 7, 2026
Instrument	20266876
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$39,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 W JEFFERSON ST, PHILO, IL 61864-9553

Mortgage

Document Number	0000006877,
Date	May 11, 2026
Instrument	20266877

Lender

Name	BANK OF SPRINGFIELD

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

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

Mortgage

Document Number	0000007118,
Date	May 14, 2026
Instrument	20267118

Lender

Name	BANK OF SPRINGFIELD

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	88%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 103 W Jefferson St was $4,249, up 23.5% 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	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	$4,249.00 (+23.48%) Homeowner's exemption Senior Citizen's exemption	$74,690 (+8.8%) Land $4,120 Building $70,570	$224,070 (+8.8%) Land $12,360 Building $211,710
2024	$3,441.00 (+5.75%)	$68,650 Land $3,790 Building $64,860	$205,950 Land $11,370 Building $194,580
2023	$3,254.00 (+5.1%)
2022	$3,096.00 Homeowner's exemption Senior Citizen's exemption	$59,740 Land $3,300 Building $56,440	$179,220 Land $9,900 Building $169,320

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 103 W Jefferson 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 103 W Jefferson 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	None beyond 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	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 183 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, Watch TV.

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