906 S Adams St, Philo, IL 61864 Property Records

Champaign County property record for 906 S Adams St, Philo, IL 61864

Property Summary

Property Type	Single Family Home
Lot Size	0.289 acres (12,610 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2017)
Tax Bill	$3,844 (2024)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-27-23-379-013`

Property Details

APN / Parcel Number

Primary APN	`19-27-23-379-013`

Exterior

Lot Area	12,610 sqft (0.289 acres)

Location & Zoning

Street Address	906 S ADAMS ST
City	PHILO
State	IL
Zip	61864-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 HEWING SUB
Legal Range	09E
Legal Township	18N
Legal Section	23
Legal Subdivision	HEWING SUB
Legal Lot Number	2
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	PHILO
Census Block Group	1
Census Block	1036
Census Tract	10901

Owner

Source: Champaign County records, as of June 2, 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	906 S ADAMS ST, PHILO, IL 61864-9743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FSB OF CHAMPAIGN URBANA
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB/CHAMPAIGN-URBANA
Jul 6, 2017	Grant Deed, Transfer · Conventional with PMI FIRST FSB/CHAMPAIGN-URBANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2017 · Amount on Record
Deed Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	201712270
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	906 S ADAMS ST, PHILO, IL 61864-9743
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001300
Date	Jan 30, 2024
Instrument	2024R01300

Lender

Name	FIRST FSB OF CHAMPAIGN URBANA
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 30, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN IL
Property Address	906 S ADAMS ST, PHILO, IL 61864-9743
Document Number	0000011730
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	906 S ADAMS ST PHILO IL 618649743, PHILO, IL 61864-9743

Mortgage

Document Number	0000011730
Date	Jun 26, 2020
Instrument	11730

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2040

Interest

Rate	2.87%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 6, 2017
Property Address	906 S ADAMS ST, PHILO, IL 61864-9743
Document Number	0000012270
Instrument Date	Jul 3, 2017
Instrument	12270
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	906 S ADAMS ST PHILO IL 618649743, PHILO, IL 61864-9743

Mortgage

Document Number	12271
Date	Jul 6, 2017
Instrument	12271

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

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		$76,600 (+25.02%) Land $14,460 Building $62,140	$229,800 (+25.02%) Land $43,380 Building $186,420
2024	$3,844.00 (+9.48%)
2022	$3,511.00 Homeowner's exemption	$61,270 Land $11,570 Building $49,700	$183,810 Land $34,710 Building $149,100

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 99.1% of the US · lower than 94% 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 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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