605 Ridge Rd, Philo, IL 61864 Property Records

Champaign County property record for 605 Ridge Rd, Philo, IL 61864 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,520 sqft · built 1995
Lot Size	0.292 acres (12,702 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,118 (2024)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-452-021`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-452-021`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Building Perimeter
1st Floor Area	1,520 sqft
Flooring	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Roof Material	Other
Lot Area	12,702 sqft (0.292 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	605 RIDGE RD
City	PHILO
State	IL
Zip	61864-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 57 SHIPLEY ESTATES UNIT 4
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	SHIPLEY ESTATES UNIT 4
Legal Lot Number	57
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	2
Census Block	2040
Census Tract	10901

Owner

Source: Champaign County records · APN 19-27-23-452-021

Assessment roll updated April 29, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	605 RIDGE RD, PHILO, IL 61864-9639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	605 RIDGE RD, PHILO, IL 61864-9639
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000988
Date	Jan 23, 2019
Instrument	2019R00988

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61821

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 13, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Champaign County records · Assessment roll updated April 29, 2026 · Last verified May 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$81,400 (+25.02%) Land $15,010 Building $66,390	$244,200 (+25.02%) Land $45,030 Building $199,170
2024	$4,118.00 (+9.38%)
2022	$3,765.00 Homeowner's exemption	$65,110 Land $12,010 Building $53,100	$195,330 Land $36,030 Building $159,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Champaign County (17019C), updated July 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 42 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Pavlov Media	Fiber	8,000 / 8,000
MCC Network Services	Fiber	8,000 / 8,000
Xfinity	Cable	1,200 / 35
MFWireless	Fixed Wireless (licensed-by-rule)	100 / 20

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.