Champaign County property record for 401 S Adams St, Philo, IL 61864
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.521 acres (22,699 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,315 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-27-23-303-002 |
| Primary APN | 19-27-23-303-002 |
|---|
| Lot Area | 22,699 sqft (0.521 acres) |
|---|
| Street Address | 401 S ADAMS ST |
|---|---|
| City | PHILO |
| State | IL |
| Zip | 61864-9754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT PT 1 MOWRYS 2ND ADD |
| Legal Range | 09E |
| Legal Township | 18N |
| Legal Section | 23 |
| Legal Subdivision | MOWRYS 2ND ADD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CHAMPAIGN IL |
| Township / Civil Division | PHILO |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 10901 |
401 S Adams St is owned and occupied by two individuals.
Source: Champaign County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 S ADAMS ST, PHILO, IL 61864-9754 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN IL |
| Recording Date | Jun 3, 2022 |
| Property Address | 401 S ADAMS ST, PHILO, IL 61864-9754 |
| Document Number | 0000010061 |
| Map Reference | MB C PG 180 |
| Instrument Date | May 31, 2022 |
| Instrument | 2022R10061 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 401 S ADAMS ST #400 # 400, 400, CHAMPAIGN, IL 61820 |
| Document Number | 0000010062 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022R10062 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
Source: Champaign County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $78,640 Land $9,400 Building $69,240 | $235,920 Land $28,200 Building $207,720 | |
| 2024 | $4,315.00 | ||
| 2022 | $2,357.00 Additional exemption filed |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 S Adams 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 risk around 401 S Adams 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.
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 |
| 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.
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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