105 W Madison St, Philo, IL 61864 Property Records

Champaign County property record for 105 W Madison St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Jul 2012)
Tax Bill	$2,329 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-158-004`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-158-004`

Exterior

Lot Area	12,000 sqft (0.275 acres)

Location & Zoning

Street Address	105 W MADISON ST
City	PHILO
State	IL
Zip	61864-9687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 8 PHILO - ORIGINAL TOWN
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	PHILO - ORIGINAL TOWN
Legal Block	8
Legal Lot Number	4
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1021
Census Tract	10901

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	105 W MADISON ST, PHILO, IL 61864-9687
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage THE GIFFORD STATE BANK
Jan 23, 2019	Deed of Trust, Mortgage · Closed-End Mortgage THE GIFFORD STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2012 · Amount on Record
Deed Sale	Jul 23, 2012 · Amount on Record
Deed Document Number	201218068
Prior Transfer Date	Oct 18, 2004
Prior Transfer Doc	0000010177
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	105 W MADISON ST, PHILO, IL 61864-9687
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 W MADISON ST, PHILO, IL 61864-9687

Mortgage

Document Number	0000018005
Date	Oct 3, 2022
Instrument	2022R18005

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Sep 15, 2032

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	105 W MADISON ST, PHILO, IL 61864-9687
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000998
Date	Jan 23, 2019
Instrument	2019R00998

Lender

Name	THE GIFFORD STATE BANK
Type	Bank
Address	SAINT JOSEPH, IL 61873

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Feb 15, 2024

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		$48,360 (+25.06%) Land $3,990 Building $44,370	$145,080 (+25.06%) Land $11,970 Building $133,110
2024	$2,329.00 (+12.24%)
2022	$2,075.00 Homeowner's exemption	$38,670 Land $3,190 Building $35,480	$116,010 Land $9,570 Building $106,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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