601 S Garfield St, Philo, IL 61864 Property Records

Champaign County property record for 601 S Garfield St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.703 acres (30,608 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2021)
Tax Bill	$3,559 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jan 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-330-010`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-330-010`

Exterior

Lot Area	30,608 sqft (0.703 acres)

Location & Zoning

Street Address	601 S GARFIELD ST
City	PHILO
State	IL
Zip	61864-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 KNOLLS ADD 2
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	KNOLLS ADD 2
Legal Lot Number	9
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1038
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	601 S GARFIELD ST, PHILO, IL 61864-9618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 15, 2021	Administrator's Deed, Transfer · Line of Credit LONGVIEW BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2021 · Amount on Record
Deed Sale	Jun 18, 2021 · Amount on Record
Prior Sale	Jan 15, 2021 · Amount on Record
Deed Document Number	202114297
Prior Transfer Date	Jan 20, 2012
Prior Transfer Doc	0000001877
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 18, 2021
Property Address	601 S GARFIELD ST, PHILO, IL 61864-9618
Document Number	0000014297
Map Reference	MB M PG110 DOC632121
Instrument Date	Jun 15, 2021
Instrument	2021R14297
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	601 S GARFIELD ST, PHILO, IL 61864-9618

Mortgage

Document Number	0000014298
Date	Jun 18, 2021
Instrument	2021R14298

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2021: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jan 15, 2021
Property Address	601 S GARFIELD ST, PHILO, IL 61864-9618
Document Number	0000001079
Instrument Date	Dec 18, 2020
Instrument	2021R01079
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 387, PHILO, IL 61864-0387

Mortgage

Document Number	0000001080
Date	Jan 15, 2021
Instrument	2021R01080

Lender

Name	LONGVIEW BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Dec 29, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Quarterly

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		$71,400 (+25.04%) Land $11,980 Building $59,420	$214,200 (+25.04%) Land $35,940 Building $178,260
2024	$3,559.00 (+9.64%)
2022	$3,246.00 Homeowner's exemption	$57,100 Land $9,580 Building $47,520	$171,300 Land $28,740 Building $142,560

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 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