405 Knolls Dr, Philo, IL 61864 Property Records

Champaign County property record for 405 Knolls Dr, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.562 acres (24,509 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2026)
Tax Bill	$3,157 (2024)
Deeds & Mortgages	Apr 2023 Mortgage May 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-378-005`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-378-005`

Exterior

Lot Area	24,509 sqft (0.562 acres)

Location & Zoning

Street Address	405 KNOLLS DR
City	PHILO
State	IL
Zip	61864-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 KNOLLS ADD 2
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	KNOLLS ADD 2
Legal Lot Number	19
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1036
Census Tract	10901

Owner

Source: Champaign County records, as of May 26, 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	405 KNOLLS DR, PHILO, IL 61864-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Unknown LOANDEPOT.COM LLC
May 8, 2025	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage FISHER NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	May 21, 2007 · Amount on Record
Deed Document Number	20266750
Prior Transfer Date	Sep 15, 2003
Prior Transfer Doc	0000042113
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	405 KNOLLS DR, PHILO, IL 61864-9760
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004634
Date	Apr 17, 2023
Instrument	2023R04634

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Unknown
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	405 KNOLLS DR, PHILO, IL 61864-9760
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006301
Date	May 8, 2025
Instrument	2025R06301

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 29, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	May 7, 2026
Property Address	405 KNOLLS DR, PHILO, IL 61864-9760
Document Number	0000006750
Instrument Date	Apr 24, 2026
Instrument	2026.6750
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 KNOLLS DR, PHILO, IL 61864-9760

Mortgage

Document Number	0000006751,
Date	May 7, 2026
Instrument	2026.6751

Lender

Name	FISHER NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Apr 24, 2051

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

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		$64,070 (+25.01%) Land $10,280 Building $53,790	$192,210 (+25.01%) Land $30,840 Building $161,370
2024	$3,157.00 (+9.85%)
2022	$2,874.00 Homeowner's exemption	$51,250 Land $8,230 Building $43,020	$153,750 Land $24,690 Building $129,060

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	Low lower than 96% of the US · lower than 74% 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 120 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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