207 S Hayes St, Philo, IL 61864 Property Records

Champaign County property record for 207 S Hayes St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.365 acres (15,901 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Oct 2023)
Tax Bill	$2,403 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-182-010`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-182-010`

Exterior

Lot Area	15,901 sqft (0.365 acres)

Location & Zoning

Street Address	207 S HAYES ST
City	PHILO
State	IL
Zip	61864-9596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS PT 7, 8 BLOCK 7 HALES, E.B., 2ND ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	HALES, E.B., 2ND ADD
Legal Block	7
Legal Lot Number	7,8
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1019
Census Tract	10901

Owner

207 S Hayes St is owned and occupied by an individual who bought it in October 2023.

Source: Champaign County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	207 S HAYES ST, PHILO, IL 61864-9596
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 23, 2023	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF ILLINOIS COMMUNITY CU
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	Oct 20, 2020 · Amount on File
Deed Document Number	202315188
Prior Transfer Date	Jul 2, 2007
Prior Transfer Doc	0000020867
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 23, 2023
Property Address	207 S HAYES ST, PHILO, IL 61864-9596
Document Number	0000015188
Map Reference	MB A PG 148
Instrument Date	Oct 5, 2023
Instrument	2023R15188
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 S HAYES ST, PHILO, IL 61864-9596

Mortgage

Document Number	0000015189
Date	Oct 23, 2023
Instrument	2023R15189

Lender

Name	UNIVERSITY OF ILLINOIS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7%
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 20, 2020
Property Address	207 S HAYES ST, PHILO, IL 61864-9596
Document Number	0000021656
Map Reference	MB A PG 148
Instrument Date	Oct 5, 2020
Instrument	2020R21656
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
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	207 S HAYES ST, PHILO, IL 61864-9596

Mortgage

Document Number	0000021657
Date	Oct 20, 2020
Instrument	2020R21657

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.08%

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		$50,330 (+8.8%) Land $5,050 Building $45,280	$150,990 (+8.8%) Land $15,150 Building $135,840
2024	$2,403.00 (+5.58%)	$46,260 Land $4,640 Building $41,620	$138,780 Land $13,920 Building $124,860
2023	$2,276.00 (+4.6%)
2022	$2,176.00 Homeowner's exemption	$40,260 Land $4,040 Building $36,220	$120,780 Land $12,120 Building $108,660

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 207 S Hayes 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

Wildfire risk around 207 S Hayes St is low, with less than a 0.01% annual chance of 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	None beyond 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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