609 S Garfield St, Philo, IL 61864 Property Records

Champaign County property record for 609 S Garfield St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.465 acres (20,258 sqft)
Owner	Individual Name on File
Last Sale	$168,500 (Jul 2018)
Tax Bill	$4,126 (2024)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-330-011`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-330-011`

Exterior

Lot Area	20,258 sqft (0.465 acres)

Location & Zoning

Street Address	609 S GARFIELD ST
City	PHILO
State	IL
Zip	61864-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 KNOLLS ADD 2
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	KNOLLS ADD 2
Legal Lot Number	10
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1038
Census Tract	10901

Owner

609 S Garfield St is owned and occupied by an individual who bought it in July 2018.

Source: Champaign County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	609 S GARFIELD ST, PHILO, IL 61864-9618
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Apr 12, 2005 · Amount on File
Deed Document Number	201811125
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 3, 2018
Property Address	609 S GARFIELD ST, PHILO, IL 61864-9618
Document Number	0000011125
Map Reference	MB M PG110
Instrument Date	Jun 27, 2018
Instrument	2018R11125
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.75
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
Address	609 S GARFIELD ST, PHILO, IL 61864-9618

Mortgage

Document Number	0000011126
Date	Jul 3, 2018
Instrument	2018R11126

Lender

Name	PHILO EXCHANGE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Sep 1, 2023

Interest

Rate	4.37%

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		$81,730 Land $7,880 Building $73,850	$245,190 Land $23,640 Building $221,550
2024	$4,126.00
2022	$3,771.00 Homeowner's exemption	$65,370 Land $6,300 Building $59,070	$196,110 Land $18,900 Building $177,210

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

FEMA maps place 609 S Garfield St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 609 S Garfield St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 120 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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