104 McKinley Cir, Philo, IL 61864 Property Records

Champaign County property record for 104 McKinley Cir, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,144 sqft · built 1963
Lot Size	0.294 acres (12,818 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Jun 2010)
Tax Bill	$3,852 (2024)
Deeds & Mortgages	May 2024 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-302-010`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-302-010`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	A-Frame
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	12,818 sqft (0.294 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 MCKINLEY CIR
City	PHILO
State	IL
Zip	61864-9647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 PLOTNERS SUB
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	PLOTNERS SUB
Legal Lot Number	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1033
Census Tract	10901

Owner

Source: Champaign County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	104 MCKINLEY CIR, PHILO, IL 61864-9647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
May 18, 2020	Quit Claim Deed, Transfer · Conventional Mortgage FISHER NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2010 · Amount on Record
Deed Sale	Jun 11, 2010 · Amount on Record
Deed Document Number	201011844
Last Transfer Date	Apr 25, 2020
Transfer Doc	0000008187
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	104 MCKINLEY CIR, PHILO, IL 61864-9647
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MCKINLEY CIR, PHILO, IL 61864-9647

Mortgage

Document Number	0000005536
Date	May 2, 2024
Instrument	2024R05536

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CHAMPAIGN, IL 61822

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 18, 2020
Property Address	104 MCKINLEY CIR, PHILO, IL 61864-9647
Document Number	0000008187
Instrument Date	Apr 25, 2020
Instrument	2020R08187
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 MCKINLEY CIR, PHILO, IL 61864-9647

Mortgage

Document Number	0000008189
Date	May 18, 2020
Instrument	2020R08189

Lender

Name	FISHER NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate	3%

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		$75,700 (+25.04%) Land $5,580 Building $70,120	$227,100 (+25.04%) Land $16,740 Building $210,360
2024	$3,852.00 (+11.2%)
2022	$3,464.00 Homeowner's exemption	$60,540 Land $4,460 Building $56,080	$181,620 Land $13,380 Building $168,240

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

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

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	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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