108 W Jefferson St, Philo, IL 61864 Property Records

Champaign County property record for 108 W Jefferson St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,461 sqft · built 1898
Lot Size	0.413 acres (18,001 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Jul 2020)
Tax Bill	$2,856 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-158-013`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-158-013`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,461 sqft Living Area
Gross Area	2,593 sqft
1st Floor Area	576 sqft
Basement Area	364 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	18,001 sqft (0.413 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	108 W JEFFERSON ST
City	PHILO
State	IL
Zip	61864-9221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS PT 9, 10 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	9
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1021
Census Tract	10901

Owner

108 W Jefferson St is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 W JEFFERSON ST, PHILO, IL 61864-9221
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

Date	Document
Jul 24, 2020	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Sep 14, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Dec 1, 2008 · Amount on File
Deed Document Number	202014198
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 24, 2020
Property Address	108 W JEFFERSON ST, PHILO, IL 61864-9221
Document Number	0000014198
Map Reference	DD U PG 174
Instrument Date	Jul 22, 2020
Instrument	2020R14198
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
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	108 W JEFFERSON ST, PHILO, IL 61864-9221

Mortgage

Document Number	0000014199
Date	Jul 24, 2020
Instrument	2020R14199

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.5%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	108 W JEFFERSON ST, PHILO, IL 61864-9221
Document Number	0000016472
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 W JEFFERSON ST PHILO IL 618649221, PHILO, IL 61864-9221

Mortgage

Document Number	0000016472
Date	Sep 20, 2018
Instrument	16472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

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		$58,580 Land $5,660 Building $52,920	$175,740 Land $16,980 Building $158,760
2024	$2,856.00
2022	$2,595.00 Homeowner's exemption	$46,860 Land $4,530 Building $42,330	$140,580 Land $13,590 Building $126,990

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 108 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

The area around 108 W Jefferson St has no burnable land within ember reach, so its wildfire risk is not rated.

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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