411 W Monroe St, Philo, IL 61864 Property Records

Champaign County property record for 411 W Monroe St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Dec 2018)
Tax Bill	$1,679 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-22-201-002`

Property Details

APN / Parcel Number

Primary APN	`19-27-22-201-002`

Exterior

Lot Area	54,450 sqft (1.25 acres)

Location & Zoning

Street Address	411 W MONROE ST
City	PHILO
State	IL
Zip	61864-9598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 WADE PARKER PLACE
Legal Range	09E
Legal Township	18N
Legal Section	22
Legal Subdivision	WADE PARKER PLACE
Legal Lot Number	1
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	2
Census Block	2033
Census Tract	10901

Owner

Source: Champaign County assessment roll, 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	Individual Name on File
Mailing Address	411 W MONROE ST, PHILO, IL 61864-9598
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Dec 4, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 4, 2018 · Amount on Record
Deed Sale	Dec 4, 2018 · Amount on Record
Prior Sale	Jul 7, 2009 · Amount on Record
Deed Document Number	201820718
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	411 W MONROE ST, PHILO, IL 61864-9598
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014503
Date	Jul 29, 2020
Instrument	2020R14503

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate	3.37%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 4, 2018
Property Address	411 W MONROE ST, PHILO, IL 61864-9598
Document Number	0000020718
Map Reference	DOC2008R07472
Instrument Date	Dec 3, 2018
Instrument	2018R20718
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
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	411 W MONROE ST, PHILO, IL 61864-9598

Mortgage

Document Number	0000020719
Date	Dec 4, 2018
Instrument	2018R20719

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%
Type Change Date	Jan 1, 2049
Index	6-Month LIBOR

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		$37,130 (+25.02%) Land $8,650 Building $28,480	$111,390 (+25.02%) Land $25,950 Building $85,440
2024	$1,679.00 (+11.56%)
2022	$1,505.00 Homeowner's exemption	$29,700 Land $6,920 Building $22,780	$89,100 Land $20,760 Building $68,340

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Not rated no burnable land within ember reach

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
AMG Technology Investment Group Fixed Wireless	500 / 100

May also be available: MCC Network Services, MFWireless.

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