104 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 104 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.312 acres (13,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Mar 2021)
Tax Bill	$1,941 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-179-002`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-179-002`

Exterior

Lot Area	13,601 sqft (0.312 acres)

Location & Zoning

Street Address	104 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	104 S ADAMS ST, PHILO, IL 61864-9561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Warranty Deed, Transfer · Conventional Mortgage BANKCHAMPAIGN NA
Nov 20, 2018	Warranty Deed, Transfer
Sep 13, 2018	Warranty Deed, Construction Loan · Conventional Mortgage BANKCHAMPAIGN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2021 · Amount on Record
Deed Sale	Mar 16, 2021 · Amount on Record
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	20216078
Prior Transfer Date	Oct 15, 2018
Prior Transfer Doc	0000020000
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 16, 2021
Property Address	104 S ADAMS ST, PHILO, IL 61864-9561
Document Number	0000006078
Map Reference	MB A PG 148
Instrument Date	Feb 26, 2021
Instrument	2021R06078
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 S ADAMS ST, PHILO, IL 61864-9561

Mortgage

Document Number	0000006079
Date	Mar 16, 2021
Instrument	2021R06079

Lender

Name	BANKCHAMPAIGN NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 20, 2018
Property Address	104 S ADAMS ST, PHILO, IL 61864-9561
Document Number	0000020000
Instrument Date	Oct 15, 2018
Instrument	20000
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount Recorded
Tax	$5.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1048 ADAMS ST PHILO IL 61864, PHILO, IL 61864

September 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 13, 2018
Property Address	104 S ADAMS ST, PHILO, IL 61864-9561
Document Number	0000016027
Instrument Date	Sep 12, 2018
Instrument	16027
Transaction Type	Construction Loan
Record Updated	Oct 2, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 S ADAMS ST PHILO IL 618649561, PHILO, IL 61864-9561

Mortgage

Document Number	16028
Date	Sep 13, 2018
Instrument	16028

Lender

Name	BANKCHAMPAIGN
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%

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		$41,910 (+25.03%) Land $4,460 Building $37,450	$125,730 (+25.03%) Land $13,380 Building $112,350
2024	$1,941.00 (+11.04%)
2022	$1,748.00 Homeowner's exemption	$33,520 Land $3,570 Building $29,950	$100,560 Land $10,710 Building $89,850

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	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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