712 Sun Ridge Rd, Philo, IL 61864 Property Records

Champaign County property record for 712 Sun Ridge Rd, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,250 sqft · built 1999
Lot Size	0.293 acres (12,742 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,880 (2024)
Deeds & Mortgages	Feb 2021 Transfer Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-455-004`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-455-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,250 sqft Building Perimeter
1st Floor Area	1,250 sqft
Flooring	Wood

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Roof Material	Other
Lot Area	12,742 sqft (0.293 acres)
Garage Type	Attached
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	712 SUN RIDGE RD
City	PHILO
State	IL
Zip	61864-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 96 SHIPLEY ESTATES UNIT 4
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	SHIPLEY ESTATES UNIT 4
Legal Lot Number	96
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	2
Census Block	2025
Census Tract	10901

Owner

712 Sun Ridge Rd is owned and occupied by two individuals who acquired it in January 2021.

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	PO BOX 288, PHILO, IL 61864-0288
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Intrafamily Transfer, Transfer
Jun 3, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FSB/CHAMPAIGN-URBANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 29, 2021
Transfer Doc	0000002359
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN IL
Recording Date	Feb 2, 2021
Property Address	712 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000002359
Map Reference	MB BB PG 217
Instrument Date	Jan 29, 2021
Instrument	2021R02359
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 288, PHILO, IL 61864-0288

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	712 SUN RIDGE RD, PHILO, IL 61864-9636
Document Number	0000008813
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	712 SUN RIDGE RD PHILO IL 618649636, PHILO, IL 61864-9636

Mortgage

Document Number	0000008813
Date	Jun 12, 2019
Instrument	8813

Lender

Name	FIRST FSB/CHAMPAIGN-URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 11, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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		$69,350 Land $14,620 Building $54,730	$208,050 Land $43,860 Building $164,190
2024	$2,880.00
2022	$2,835.00 Homeowner's exemption Senior Citizen's exemption	$55,470 Land $11,700 Building $43,770	$166,410 Land $35,100 Building $131,310

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

Flood

FEMA maps place 712 Sun Ridge Rd 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 712 Sun Ridge Rd 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 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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