605 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 605 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,782 sqft · built 1996
Lot Size	0.377 acres (16,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,500 (Feb 2019)
Tax Bill	$4,925 (2022)
Deeds & Mortgages	Sep 2023 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-353-005`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-353-005`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,782 sqft Building Perimeter
1st Floor Area	1,782 sqft
Flooring	Wood

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Stucco
Roof Material	Other
Lot Area	16,435 sqft (0.377 acres)
Garage Type	Attached
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	605 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 SOUTH POINT ADD 2
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	SOUTH POINT ADD 2
Legal Lot Number	17
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	2 Individual Names on Record
Mailing Address	605 S ADAMS ST, PHILO, IL 61864-9659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 16, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 27, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2019 · Amount on Record
Deed Sale	Feb 14, 2019 · Amount on Record
Prior Sale	Oct 15, 2009 · Amount on Record
Deed Document Number	20192066
Last Transfer Date	Sep 21, 2023
Transfer Doc	0000013738
Record Updated	Sep 20, 2026

September 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 25, 2023
Property Address	605 S ADAMS ST, PHILO, IL 61864-9659
Document Number	0000013738
Map Reference	DOC 94R17742
Instrument Date	Sep 21, 2023
Instrument	2023R13738
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 S ADAMS ST, PHILO, IL 61864-9659

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	605 S ADAMS ST, PHILO, IL 61864-9659
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003303
Date	Feb 16, 2021
Instrument	2021R03303

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Interest

Rate	2.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	605 S ADAMS ST, PHILO, IL 61864-9659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013868
Date	Aug 27, 2019
Instrument	2019R13868

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	175 Months
Due	Mar 1, 2034

Interest

Rate	3.37%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 14, 2019
Property Address	605 S ADAMS ST, PHILO, IL 61864-9659
Document Number	0000002066
Instrument Date	Feb 13, 2019
Instrument	2019R02066
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$296.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	605 S ADAMS ST, PHILO, IL 61864-9659

Mortgage

Document Number	0000002067
Date	Feb 14, 2019
Instrument	2019R02067

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

Interest

Rate	3.75%

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		$96,930 (+25.02%) Land $21,020 Building $75,910	$290,790 (+25.02%) Land $63,060 Building $227,730
2022	$4,925.00 Homeowner's exemption	$77,530 Land $16,820 Building $60,710	$232,590 Land $50,460 Building $182,130

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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