704 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 704 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,414 sqft · built 2002
Lot Size	1 acres (76,179 sqft)
Owner	2 Individual Names on File
Last Sale	$317,500 (Oct 2018)
Tax Bill	$6,997 (2024)
Deeds & Mortgages	May 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-376-012`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-376-012`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,414 sqft Building Perimeter
1st Floor Area	2,414 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Foundation Type	Raised
Roof Material	Other
Lot Area	76,179 sqft (1 acres)
Garage Type	Attached
Garage Area	1,248 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	704 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2A TOWNSEND REPLAT OF LOTS 1 AND 2 OF THE KNOLLS 4TH ADDITION
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	THE KNOLLS 4TH ADDITION
Legal Lot Number	2A
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	704 S ADAMS ST, PHILO, IL 61864-9747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage LONGVIEW BANK
Oct 15, 2018	Deed, Transfer · Conventional Mortgage LONGVIEW BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Deed Document Number	201817770
Prior Transfer Date	May 20, 2014
Prior Transfer Doc	0000008430
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	704 S ADAMS ST, PHILO, IL 61864-9747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007076
Date	May 1, 2020
Instrument	2020R07076

Lender

Name	LONGVIEW BANK
Type	Bank
Address	OGDEN, IL 61859

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Oct 15, 2018
Property Address	704 S ADAMS ST, PHILO, IL 61864-9747
Document Number	0000017770
Map Reference	DOC2001R16516
Instrument Date	Oct 15, 2018
Instrument	2018R17770
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	$476.25
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	704 S ADAMS ST, PHILO, IL 61864-9747

Mortgage

Document Number	0000017771
Date	Oct 15, 2018
Instrument	2018R17771

Lender

Name	LONGVIEW BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

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		$139,490 (+25.01%) Land $21,150 Building $118,340	$418,470 (+25.01%) Land $63,450 Building $355,020
2024	$6,997.00 (+9.52%)
2022	$6,389.00 Homeowner's exemption Senior Citizen's exemption	$111,580 Land $16,920 Building $94,660	$334,740 Land $50,760 Building $283,980

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 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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