1033 Decoy Ct, Normal, IL 61761 Property Records

McLean County property record for 1033 Decoy Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	1,319 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$332,500 (Jul 2023)
Tax Bill	$7,814 (2024)
Deeds & Mortgages	May 2014 Construction Loan Apr 2015 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-157-009`

Property Details

APN / Parcel Number

Primary APN	`15-19-157-009`

Interior

Stories	1 Story
Building Area	1,319 sqft Living Area
1st Floor Area	1,319 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)

Location & Zoning

Street Address	1033 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 260
Legal Subdivision	VINEYARDS SUB
Legal Lot Number	260
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5108
Census Tract	5102

Owner

Source: McLean County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1033 DECOY CT, NORMAL, IL 61761-9681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 21, 2014	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO
Apr 22, 2015	Deed of Trust, Mortgage · ARM HEARTLAND BANK & TRUST CO
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage HEARLAND BANK & TRUST COMANY
Apr 22, 2015	Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO
Feb 21, 2014	Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Apr 22, 2015 · Amount on Record
Deed Document Number	20238806
Record Updated	Sep 20, 2026

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1033 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201400007905
Date	May 21, 2014
Instrument	2014-00007905

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 14, 2015

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1033 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500006780
Date	Apr 22, 2015
Instrument	2015-00006780

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	ARM
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2025

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	May 1, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 7, 2023
Property Address	1033 DECOY CT, NORMAL, IL 61761-9681
Document Number	202300008806
Map Reference	DOC 2013-00031480
Instrument Date	May 24, 2023
Instrument	2023-00008806
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	202300008808
Date	Jul 7, 2023
Instrument	2023-00008808

Lender

Name	HEARLAND BANK & TRUST COMANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.4%

April 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 22, 2015
Property Address	1033 DECOY CT, NORMAL, IL 61761-9681
Document Number	201500006778
Map Reference	DOC2013-31480
Instrument Date	Apr 10, 2015
Instrument	2015-00006778
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.25
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
Relationship	Tenants in Severalty
Address	1033 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	201500006779
Date	Apr 22, 2015
Instrument	2015-00006779

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2035

February 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 21, 2014
Property Address	1033 DECOY CT, NORMAL, IL 61761-9681
Document Number	201400002970
Map Reference	DOC2013-00031480
Instrument Date	Feb 7, 2014
Instrument	2014-00002970
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	201400002971
Date	Feb 21, 2014
Instrument	2014-00002971

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
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		$111,706 (+21.55%) Land $19,433 Building $92,273	$335,118 (+21.55%) Land $58,299 Building $276,819
2024	$7,814.00 (+7.31%)
2023	$7,282.00	$91,902 Land $15,988 Building $75,914	$275,706 Land $47,964 Building $227,742

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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