503 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 503 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.323 acres (14,086 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Mar 2009)
Tax Bill	$3,730 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-305-004`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-305-004`

Exterior

Lot Area	14,086 sqft (0.323 acres)

Location & Zoning

Street Address	503 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 PLOTNERS 2ND SUB
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	PLOTNERS 2ND SUB
Legal Lot Number	10
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1034
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	Individual Name on Record
Mailing Address	PO BOX 113, PHILO, IL 61864-0113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PHILO EXCHANGE BANK
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit PHILO EXCHANGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2009 · Amount on Record
Deed Sale	Mar 4, 2009 · Amount on Record
Prior Sale	Mar 23, 2004 · Amount on Record
Deed Document Number	20095774
Prior Transfer Date	Mar 19, 2004
Prior Transfer Doc	0000007726
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	503 S ADAMS ST, PHILO, IL 61864-9638
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027745
Date	Nov 24, 2021
Instrument	2021R27745

Lender

Name	PHILO EXCHANGE BANK
Type	Bank
Address	PHILO, IL 61864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	503 S ADAMS ST, PHILO, IL 61864-9638
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007161
Date	Mar 30, 2021
Instrument	2021R07161

Lender

Name	PHILO EXCHANGE BANK
Type	Bank
Address	PHILO, IL 61864

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2022

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		$74,510 (+25.02%) Land $7,450 Building $67,060	$223,530 (+25.02%) Land $22,350 Building $201,180
2024	$3,730.00 (+9.54%)
2022	$3,405.00 Homeowner's exemption	$59,600 Land $5,960 Building $53,640	$178,800 Land $17,880 Building $160,920

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	Not rated no burnable land within 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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