408 S Garfield St, Philo, IL 61864 Property Records

Champaign County property record for 408 S Garfield St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.598 acres (26,041 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Dec 2018)
Tax Bill	$4,583 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2018 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-328-004`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-328-004`

Exterior

Lot Area	26,041 sqft (0.598 acres)

Location & Zoning

Street Address	408 S GARFIELD ST
City	PHILO
State	IL
Zip	61864-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5, 6 BLOCK 3 MOWRYS 1ST ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	MOWRYS 1ST ADD
Legal Block	3
Legal Lot Number	5,6
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1029
Census Tract	10901

Owner

408 S Garfield St is owned and occupied by an individual who bought it in December 2018.

Source: Champaign County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	408 S GARFIELD ST, PHILO, IL 61864-9516
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PHILO EXCHANGE BANK
Dec 4, 2018	Warranty Deed, Construction Loan · Construction Mortgage PHILO EXCHANGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2018 · Amount on File
Deed Sale	Dec 4, 2018 · Amount on File
Prior Sale	Dec 2, 2004 · Amount on File
Deed Document Number	201820716
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	408 S GARFIELD ST, PHILO, IL 61864-9516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006758
Date	Apr 28, 2020
Instrument	2020R06758

Lender

Name	PHILO EXCHANGE BANK
Type	Bank
Address	PHILO, IL 61864

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 4, 2018
Property Address	408 S GARFIELD ST, PHILO, IL 61864-9516
Document Number	0000020716
Map Reference	MB B PG66
Instrument Date	Dec 3, 2018
Instrument	2018R20716
Transaction Type	Construction Loan
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 S GARFIELD ST, PHILO, IL 61864-9516

Mortgage

Document Number	0000020717
Date	Dec 4, 2018
Instrument	2018R20717

Lender

Name	PHILO EXCHANGE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	62 Months
Due	Feb 1, 2024

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		$90,070 Land $11,210 Building $78,860	$270,210 Land $33,630 Building $236,580
2024	$4,583.00
2022	$4,195.00 Homeowner's exemption	$72,040 Land $8,970 Building $63,070	$216,120 Land $26,910 Building $189,210

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 408 S Garfield 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 408 S Garfield 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	Direct burnable vegetation

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 148 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
MF Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on S Garfield St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures