1028 Decoy Ct, Normal, IL 61761 Property Records

McLean County property record for 1028 Decoy Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	1,328 sqft · built 2015
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$254,000 (Feb 2016)
Tax Bill	$8,823 (2024)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2016 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-157-016`

Property Details

APN / Parcel Number

Primary APN	`15-19-157-016`

Interior

Stories	2 Stories
Building Area	1,328 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	1028 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 267
Legal Subdivision	VINEYARDS SUB
Legal Lot Number	267
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1028 DECOY CT, NORMAL, IL 61761-9681
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS STATE BANK
Feb 11, 2016	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLANAGAN STATE BANK
Jun 2, 2015	Warranty Deed, Transfer · Construction Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2016 · Amount on Record
Deed Sale	Feb 11, 2016 · Amount on Record
Prior Sale	Jun 2, 2015 · Amount on Record
Deed Document Number	20162396
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1028 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004242
Date	Mar 9, 2020
Instrument	2020-00004242

Lender

Name	FIRST FARMERS STATE BANK
Type	Bank
Address	MINIER, IL 61759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

February 2016: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 11, 2016
Property Address	1028 DECOY CT, NORMAL, IL 61761-9681
Document Number	201600002396
Map Reference	DOC2013-31480
Instrument Date	Jan 29, 2016
Instrument	2016-00002396
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.00
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	PO BOX 318, EL PASO, IL 61738-0318

Mortgage

Document Number	201600002397
Date	Feb 11, 2016
Instrument	2016-00002397

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2031

June 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 2, 2015
Property Address	1028 DECOY CT, NORMAL, IL 61761-9681
Document Number	201500009565
Map Reference	DOC2013-00031480
Instrument Date	May 22, 2015
Instrument	2015-00009565
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
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	205 LANDMARK DR, NORMAL, IL 61761-2376
Investor	Possibly a Property Investor

Mortgage

Document Number	201500009567
Date	Jun 2, 2015
Instrument	2015-00009567

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	8 Months
Due	Feb 22, 2016

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		$130,283 (+26.39%) Land $19,433 Building $110,850	$390,849 (+26.39%) Land $58,299 Building $332,550
2024	$8,823.00 (+7.22%)
2023	$8,229.00	$103,079 Land $15,988 Building $87,091	$309,237 Land $47,964 Building $261,273

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.

Nearby Properties on Decoy Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures