1026 Decoy Ct, Normal, IL 61761 Property Records

McLean County property record for 1026 Decoy Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	1,324 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$311,000 (Sep 2021)
Tax Bill	$7,967 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2015 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-157-017`

Property Details

APN / Parcel Number

Primary APN	`15-19-157-017`

Interior

Stories	1 Story
Building Area	1,324 sqft Living Area
1st Floor Area	1,324 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	1026 DECOY CT
City	NORMAL
State	IL
Zip	61761-9681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINEYARDS SUB 6TH ADD LOT 268
Legal Subdivision	VINEYARDS SUB
Legal Lot Number	268
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5108
Census Tract	5102

Owner

Source: McLean County records, as of April 8, 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	Individual Name on File
Mailing Address	1026 DECOY CT, NORMAL, IL 61761-9681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK SPRINGFIELD
Apr 28, 2015	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Apr 27, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Aug 17, 2016	Warranty Deed, Transfer · ARM FIRST STATE BANK
Feb 21, 2014	Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Apr 27, 2020 · Amount on File
Deed Document Number	202123605
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000025737
Date	Nov 25, 2020
Instrument	2020-00025737

Lender

Name	MARINE BANK SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201500007191
Date	Apr 28, 2015
Instrument	2015-00007191

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jan 22, 2016

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 30, 2021
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Document Number	202100023605
Map Reference	DOC 2013-00031480
Instrument Date	Sep 24, 2021
Instrument	2021-00023605
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$466.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1026 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	202100023606
Date	Sep 30, 2021
Instrument	2021-00023606

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 27, 2020
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Document Number	202000007211
Map Reference	DOC 2013-31480
Instrument Date	Apr 17, 2020
Instrument	2020-00007211
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1026 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	202000007212
Date	Apr 27, 2020
Instrument	2020-00007212

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

August 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 17, 2016
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Document Number	201600015281
Map Reference	DOC2013-31480
Instrument Date	Aug 5, 2016
Instrument	2016-00015281
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.25
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
Address	1026 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	201600015282
Date	Aug 17, 2016
Instrument	2016-00015282

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

February 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 21, 2014
Property Address	1026 DECOY CT, NORMAL, IL 61761-9681
Document Number	201400002972
Map Reference	DOC2013-00031480
Instrument Date	Feb 7, 2014
Instrument	2014-00002972
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3807 GENERAL ELECTRIC RD, BLOOMINGTON, IL 61704-4183
Investor	Possibly a Property Investor

Mortgage

Document Number	201400002973
Date	Feb 21, 2014
Instrument	2014-00002973

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 7, 2015

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Towanda Township
Municipality	Normal Town
Unified School District	McLean County Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$113,772 (+21.55%) Land $19,433 Building $94,339	$341,316 (+21.55%) Land $58,299 Building $283,017
2024	$7,967.00 (+7.29%)
2023	$7,426.00	$93,602 Land $15,988 Building $77,614	$280,806 Land $47,964 Building $232,842

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 June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	NORMAL serves 52,736 people · EPA ID IL1130900
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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