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Single Family ResidenceResidential
$171,459$122 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $91,000 on Jun 3, 2013

514 RIDGE RD

PHILO, IL 61864
2
Baths
1,410 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$171K
$163K low$180K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$91,000 · Jun 3, 2013
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$96,459
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$77,167
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$75,000
PHILO EXCHANGE BANK · recorded Jun 26, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,408 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$46,160 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,880
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$34,280
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$42,780
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$138,480

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyChampaign
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Unity East Elementary SchoolB
Elementary · Grades KG–5 · 2.0 mi
H
Unity High SchoolD+
High · Grades 9–12 · 5.3 mi
M
Unity Junior High SchoolC+
Middle · Grades 6–8 · 5.4 mi

District: Tolono Community Unit School District 7

Neighborhood · ZIP 61864These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.52

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.1,536
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.61 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,823
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,910
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

514 Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Philo 61864
  • Costs less per square foot than 96% of homes in Philo 61864
  • Newer than 86% of homes in Champaign County

What homes are worth in Philo 61864

Each bar is how many homes fall in that price range. The marker is this home.

This home
$121K$503K

This home is worth more than 14% of homes in Philo 61864.

How it measures up in Philo 61864

The dot is this home. The mark in the middle is the typical home in Philo 61864.

Estimated value$171,459
CheaperTypical $242,204Pricier

Pricier than 14% of homes nearby

Price per ft²$122
CheaperTypical $168Pricier

Pricier than 4% of homes nearby

Living area1,410 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 59% of homes nearby

Year built1993
OlderTypical 1991Newer

Newer than 65% of homes nearby

How 514 Ridge Rd ranks against every home in each area.
MeasureThis homePhilo 61864Champaign County
Estimated valuepricier than$171,45914% of homes31% of homes
Price per ft²pricier than$1224% of homes20% of homes
Living areabigger than1,410 ft²59% of homes64% of homes
Year builtnewer than199365% of homes86% of homes

About 514 Ridge Rd

How much is 514 Ridge Rd, Philo, IL worth?

The TopHap Estimate for 514 Ridge Rd, Philo, IL is $171,459 as of Jul 14, 2026. The likely range is $163,196 to $179,722. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 514 Ridge Rd, Philo, IL last sell?

514 Ridge Rd, Philo, IL last sold on Jun 3, 2013 for $91,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 514 Ridge Rd, Philo, IL?

514 Ridge Rd, Philo, IL has 2 bathrooms and 1,410 square feet of living space.

When was 514 Ridge Rd, Philo, IL built?

514 Ridge Rd, Philo, IL was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 514 Ridge Rd, Philo, IL?

514 Ridge Rd, Philo, IL is assigned to Unity East Elementary School (elementary), rated B; Unity High School (high), rated D+; Unity Junior High School (middle), rated C+. All sit in Tolono Community Unit School District 7. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 514 Ridge Rd, Philo, IL compare to other homes in Philo 61864?

Among the 651 homes in Philo 61864, it is worth more than 14% of them ($171,459 against a typical $242,204), its price per square foot is higher than 4% of them ($122 against a typical $168), it is bigger than 59% of them (1,410 ft² against a typical 1,344 ft²) and it is newer than 65% of them (1993 against a typical 1991). Measured against all of Champaign County, it is worth more than 31% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 514 Ridge Rd, Philo, IL?

The 2024 property tax bill for 514 Ridge Rd, Philo, IL was $2,408. The county assessed it at $46,160.

Closest homes

More homes in Philo 61864

Assigned schools

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