510 Valley View Dr, Philo, IL 61864 Property Records

Champaign County property record for 510 Valley View Dr, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,155 sqft · built 1992
Lot Size	0.313 acres (13,651 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Aug 2021)
Tax Bill	$3,187 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-455-001`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-455-001`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,155 sqft Living Area
Gross Area	2,622 sqft
1st Floor Area	1,155 sqft
Basement Area	1,155 sqft
Flooring	Wood

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	A-Frame
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	13,651 sqft (0.313 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	510 VALLEY VIEW DR
City	PHILO
State	IL
Zip	61864-9624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 95 SHIPLEY ESTATES UNIT 3
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	SHIPLEY ESTATES UNIT 3
Legal Lot Number	95
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	2
Census Block	2025
Census Tract	10901

Owner

Source: Champaign County records, as of June 2, 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	510 VALLEY VIEW DR, PHILO, IL 61864-9624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK NA
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Oct 4, 2013 · Amount on Record
Deed Document Number	202118918
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 9, 2021
Property Address	510 VALLEY VIEW DR, PHILO, IL 61864-9624
Document Number	0000018918
Instrument Date	Aug 4, 2021
Instrument	2021R18918
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 VALLEY VIEW DR, PHILO, IL 61864-9624

Mortgage

Document Number	0000018919
Date	Aug 9, 2021
Instrument	2021R18919

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	510 VALLEY VIEW DR, PHILO, IL 61864-9624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020340
Date	Nov 28, 2018
Instrument	2018R20340

Lender

Name	FIRST NEIGHBOR BANK NA
Type	Bank
Address	NEWMAN, IL 61942

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate	5.75%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	510 VALLEY VIEW DR, PHILO, IL 61864-9624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025732
Date	Dec 8, 2020
Instrument	2020R25732

Lender

Name	FIRST STATE BANK
Type	Bank
Address	TUSCOLA, IL 61953

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

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		$64,440 (+8.8%) Land $12,870 Building $51,570	$193,320 (+8.8%) Land $38,610 Building $154,710
2024	$3,187.00 (+5.25%)	$59,230 (+14.92%) Land $11,830 Building $47,400	$177,690 (+14.92%) Land $35,490 Building $142,200
2023	$3,028.00 (+4.31%)
2022	$2,903.00 Homeowner's exemption	$51,540 Land $10,290 Building $41,250	$154,620 Land $30,870 Building $123,750

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	Low lower than 97% of the US · lower than 79% 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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