702 Sun Ridge Rd, Philo, IL 61864 Property Records

Champaign County property record for 702 Sun Ridge Rd, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1995
Lot Size	0.317 acres (13,829 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (Sep 2021)
Tax Bill	$1,995 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-455-003`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-455-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,270 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Flooring	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	A-Frame
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	13,829 sqft (0.317 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	702 SUN RIDGE RD
City	PHILO
State	IL
Zip	61864-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 97 SHIPLEY ESTATES UNIT 4
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	SHIPLEY ESTATES UNIT 4
Legal Lot Number	97
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	2
Census Block	2025
Census Tract	10901

Owner

Source: Champaign County records, as of August 19, 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	702 SUN RIDGE RD, PHILO, IL 61864-9636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 15, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 31, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PHILO EXCHANGE BANK
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PHILO EXCHANGE BANK
Apr 9, 2020	Correction Deed NOT AVAILABLE
Apr 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Jun 2, 2010 · Amount on Record
Deed Document Number	202122122
Prior Transfer Date	Apr 5, 2020
Prior Transfer Doc	0000005609
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Recording Date	Aug 3, 2026
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000012003
Instrument Date	Jul 28, 2026
Instrument	202612003
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 SUN RIDGE RD, PHILO, IL 61864-9636

Mortgage

Document Number	0000012003,
Date	Aug 3, 2026
Instrument	202612003

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Sep 15, 2021
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000022122
Map Reference	MB BB PG 217
Instrument Date	Sep 9, 2021
Instrument	2021R22122
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 SUN RIDGE RD, PHILO, IL 61864-9636

Mortgage

Document Number	0000022123
Date	Sep 15, 2021
Instrument	2021R22123

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012273
Date	Jul 31, 2019
Instrument	2019R12273

Lender

Name	PHILO EXCHANGE BANK
Type	Bank
Address	PHILO, IL 61864

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	63 Months
Due	Oct 1, 2024

Interest

Rate	4.12%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007160
Date	May 4, 2020
Instrument	2020R07160

Lender

Name	PHILO EXCHANGE BANK
Type	Bank
Address	PHILO, IL 61864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%
Change Frequency	Quarterly

April 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 9, 2020
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000005609
Instrument Date	Apr 5, 2020
Instrument	5609
Record Updated	Jul 8, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	702 SUN RIDGE RD PHILO IL 618649636, PHILO, IL 61864-9636

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Apr 3, 2020
Property Address	702 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000005221
Instrument Date	Apr 3, 2020
Instrument	5221
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	702 SUN RIDGE RD PHILO IL 618649636, PHILO, IL 61864-9636

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		$51,960 (+25.02%) Land $15,010 Building $36,950	$155,880 (+25.02%) Land $45,030 Building $110,850
2024	$1,995.00 (+2.26%)
2022	$1,951.00 Homeowner's exemption Senior Citizen's exemption	$41,560 Land $12,010 Building $29,550	$124,680 Land $36,030 Building $88,650

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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