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Welcome home to this cozy 3-bedroom, 2-bathroom bi-level located in the desirable Unity School District! Great curb appeal welcomes you from the start, with real cedar accents on the front pillars adding warmth and character to the exterior. Inside, engineered hardwood flooring brings a beautiful finish to the living room, while the kitchen features quartz countertops and plenty of space for everyday living. The lower level offers additional living space with new vinyl flooring installed in 2024, and original hardwood floors are waiting underneath the carpet and the engineered hardwood on the upper level. The main bedroom also comes with a $1,000 flooring credit with an acceptable offer, giving the next owner the opportunity to make the space their own. Outside is where this home really shines! The fenced-in yard features an approximately 17-foot gate for convenient access, along with a huge back deck perfect for entertaining. The insulated garage offers added functionality, with a lean-to added along the side for even more covered space and storage. A 10x16 storage shed complete with power and a concrete floor provides another great spot for tools, equipment, or hobbies. Additional updates include a new roof and water heater, both completed in 2019. With thoughtful updates, great outdoor space, and a warm, comfortable feel throughout, this home is ready for its next chapter! Don't wait! Call today to schedule a private showing. ** This home has been pre-inspected! **

Highlights

  • Residential
  • Single Family Residence
  • Built in 1963
  • 0.39 Acre Lot
  • 2 Car Garage
  • 67 days on Market

  • Bedrooms
    3
  • Bathrooms
    2
  • Year Built
    1963
  • Architectural Style
    Bi-Level
  • Construction Materials
    Vinyl Siding, Brick
  • Garage Spaces
    2.0
  • Parking Features
    Garage, Detached
  • Living Area
    1640.0
  • Appliances
    Dishwasher, Microwave, Refrigerator, Range
  • Patio And Porch
    Deck
  • Cooling
    Central Air
  • Basement
    Finished, Partial

  • Acres
    0.39
  • Lot Features
    Cul-De-Sac
  • Water
    Public

  • Area
    Southern Champaign County / Douglas County
  • County
    Champaign
  • City
    Philo
  • Zip Code
    61864
  • High School
    Unity High School
  • Middle School
    Unity Junior High School
  • Elementary School
    Unity East Elementary School

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Frequently Asked Questions

How do I schedule a tour of 106 Mckinley Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 106 Mckinley Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 106 Mckinley Cir?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $237,500. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Philo, and can even get you in to see the property quickly.

How do I get a virtual tour of 106 Mckinley Cir?

Yes! A virtual tour is available for 106 Mckinley Cir. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 106 Mckinley Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 106 Mckinley Cir at around $1,288. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 106 Mckinley Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Champaign County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 106 Mckinley Cir?

In most cases, yes. Whether 106 Mckinley Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Philo's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 106 Mckinley Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Philo and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $237,500 with 1,640 sqft of space—that comes out to approximately $145 per square foot.

How long has this property been on the market?

106 Mckinley Cir was listed on September 01, 2026, which means it's been on the market for 67 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1963, making it approximately 63 years old.

What is the lot size of this property?

106 Mckinley Cir sits on a 0.39-acre lot, which is 16,988 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Unity East Elementary School
  • Middle: Unity Junior High School
  • High: Unity High School

Want to see how these schools compare? Check out our Champaign County School Guide to see ratings, reviews, and more for the schools in the area.

Is 106 Mckinley Cir still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Midwest Real Estate Data (MRED). All rights reserved.

Last Updated: November 07, 2026 at 01:54PM | Source: Midwest Real Estate Data (MRED) | MLS#: 12748059