1208 Philo Rd, Urbana, IL 61801 Property Records

Champaign County property record for 1208 Philo Rd, Urbana, IL 61801

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,024 sqft · built 1961
Lot Size	0.361 acres (15,738 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Jul 2003)
Tax Bill	$3,765 (2024)
Deeds & Mortgages	May 2023 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92-21-16-455-121`

Property Details

APN / Parcel Number

Primary APN	`92-21-16-455-121`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,024 sqft Building Perimeter
1st Floor Area	1,024 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Other
Lot Area	15,738 sqft (0.361 acres)
Garage Type	Attached
Garage Area	624 sqft
Driveway	Concrete Driveway
Driveway Area	496 sqft
Parking Spaces	2 Parking Spaces
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1208 PHILO RD
City	URBANA
State	IL
Zip	61801-5324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 WABASH RAILROAD AND LOT 102 WABASH RAILROAD SUB NO 2 AND LOT 21 BLOCK 8 CHAMPAIGN - URBANA AMVETS HOMESTEAD ASSOCIATION SUB
Legal Range	09E
Legal Township	19N
Legal Section	16
Legal Subdivision	CHAMPAIGN - URBANA AMVETS HOMESTEAD ASSO
Legal Block	8
Legal Lot Number	1
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1016
Census Tract	5601

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	Individual Name on Record
Mailing Address	1208 PHILO RD, URBANA, IL 61801-5324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage FORTRESS BANK
Oct 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage UNITED TRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2003 · Amount on Record
Deed Sale	Jul 7, 2003 · Amount on Record
Prior Sale	Mar 18, 2003 · Amount on Record
Deed Document Number	200328782
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1208 PHILO RD, URBANA, IL 61801-5324
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005503
Date	May 3, 2023
Instrument	2023R05503

Lender

Name	FORTRESS BANK
Type	Bank
Address	PEORIA, IL 61615

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	63 Months
Due	Aug 1, 2028

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	1208 PHILO RD, URBANA, IL 61801-5324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021018
Date	Oct 13, 2020
Instrument	2020R21018

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	CHICAGO, IL 60643

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Cunningham Township
Municipality	Urbana City
Unified School District	Urbana School District 116 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$44,890 (+25.95%) Land $15,170 Building $29,720	$134,670 (+25.95%) Land $45,510 Building $89,160
2024	$3,765.00 (+17.07%)
2022	$3,216.00 Homeowner's exemption	$35,640 Land $12,040 Building $23,600	$106,920 Land $36,120 Building $70,800

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	IL AMERICAN-CHAMPAIGN private · serves 150,000 people · EPA ID IL0195300
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2026) 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 621 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Pavlov Media.

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