501 S Garfield St, Philo, IL 61864 Property Records

Champaign County property record for 501 S Garfield St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,728 sqft · built 1959
Lot Size	0.571 acres (24,865 sqft)
Owner	Individual Name on File
Last Sale	$167,500 (Jun 2021)
Tax Bill	$4,205 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-330-005`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-330-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	4,728 sqft
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	24,865 sqft (0.571 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	696 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	501 S GARFIELD ST
City	PHILO
State	IL
Zip	61864-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5, 6 BLOCK 5 MOWRYS 1ST ADD
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	MOWRYS 1ST ADD
Legal Block	5
Legal Lot Number	5,6
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1038
Census Tract	10901

Owner

501 S Garfield St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	501 S GARFIELD ST, PHILO, IL 61864-9753
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 18, 2021	Warranty Deed, Transfer · Conventional Mortgage INB NATIONAL ASSOCIATION
Nov 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Oct 18, 2012 · Amount on File
Deed Document Number	202114250
Prior Transfer Date	Nov 17, 2020
Prior Transfer Doc	0000024452
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 18, 2021
Property Address	501 S GARFIELD ST, PHILO, IL 61864-9753
Document Number	0000014250
Map Reference	MB B PG 66
Instrument Date	Jun 15, 2021
Instrument	2021R14250
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 S GARFIELD ST, PHILO, IL 61864-9753

Mortgage

Document Number	0000014251
Date	Jun 18, 2021
Instrument	2021R14251

Lender

Name	INB NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Nov 20, 2020
Property Address	501 S GARFIELD ST, PHILO, IL 61864-9753
Document Number	0000024452
Instrument Date	Nov 17, 2020
Instrument	24452
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	501 S GARFIELD ST PHILO IL 618649753, PHILO, IL 61864-9753

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		$83,170 (+8.8%) Land $11,210 Building $71,960	$249,510 (+8.8%) Land $33,630 Building $215,880
2024	$4,205.00 (+4.84%)	$76,440 Land $10,300 Building $66,140	$229,320 Land $30,900 Building $198,420
2023	$4,011.00 (+4.32%)
2022	$3,845.00 Homeowner's exemption	$66,530 Land $8,970 Building $57,560	$199,590 Land $26,910 Building $172,680

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 501 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 501 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.

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