406 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 406 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.324 acres (14,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,501 (2024)
Deeds & Mortgages	Apr 2024 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-326-008`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-326-008`

Exterior

Lot Area	14,120 sqft (0.324 acres)

Location & Zoning

Street Address	406 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS PT 6, PT 7, PT 8 BLOCK 1 MOWRYS 1ST ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	MOWRYS 1ST ADD
Legal Block	1
Legal Lot Number	8
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1031
Census Tract	10901

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	2 Individual Names on Record
Mailing Address	406 S ADAMS ST, PHILO, IL 61864-9615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST FSB OF CHAMPAIGN URBANA
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB/CHAMPAIGN-URBANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 S ADAMS ST, PHILO, IL 61864-9615
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004854
Date	Apr 18, 2024
Instrument	2024R04854

Lender

Name	FIRST FSB OF CHAMPAIGN URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2029

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	406 S ADAMS ST, PHILO, IL 61864-9615
Document Number	0000007745
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 S ADAMS ST PHILO IL 618649615, PHILO, IL 61864-9615

Mortgage

Document Number	0000007745
Date	May 11, 2020
Instrument	7745

Lender

Name	FIRST FSB/CHAMPAIGN-URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2035

Interest

Rate	2.5%

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		$70,350 (+25.02%) Land $5,810 Building $64,540	$211,050 (+25.02%) Land $17,430 Building $193,620
2024	$3,501.00 (+9.65%)
2022	$3,193.00 Homeowner's exemption	$56,270 Land $4,650 Building $51,620	$168,810 Land $13,950 Building $154,860

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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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