1035 Decoy Ct, Normal, IL 61761 Property Records

McLean County property record for 1035 Decoy Ct, Normal, IL 61761 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	934 sqft · built 2014
Lot Size	0.36 acres (15,681 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (May 2020)
Tax Bill	$8,041 (2024)
Deeds & Mortgages	Jun 2023 Second Mortgage Apr 2014 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-157-010`

Property Details

APN / Parcel Number

Primary APN	`15-19-157-010`

Interior

Stories	2 Stories
Building Area	934 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Lot Area	15,681 sqft (0.36 acres)

Location & Zoning

Street Address	1035 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 261
Legal Subdivision	VINEYARDS SUB
Legal Lot Number	261
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5108
Census Tract	5102

Owner

Source: McLean County records · APN 15-19-157-010

Assessment roll updated April 8, 2026 · Last verified April 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 File
Mailing Address	1035 DECOY CT, NORMAL, IL 61761-9681
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 21, 2014	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO
May 06, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Dec 31, 2014	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC
Feb 21, 2014	Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2020 · Amount on Record
Deed Sale	May 06, 2020 · Amount on Record
Prior Sale	Dec 31, 2014 · Amount on Record
Deed Document Number	20207949
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1035 DECOY CT, NORMAL, IL 61761-9681
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008118
Date	Jun 26, 2023
Instrument	2023-00008118

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 01, 2033

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1035 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	201400006040
Date	Apr 21, 2014
Instrument	2014-00006040

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jan 17, 2015

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 06, 2020
Property Address	1035 DECOY CT, NORMAL, IL 61761-9681
Document Number	202000007949
Map Reference	DOC 2013-31480
Instrument Date	Apr 16, 2020
Instrument	2020-00007949
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 DECOY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	202000007950
Date	May 06, 2020
Instrument	2020-00007950

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

Mortgage

Document Number	202000007951
Date	May 06, 2020
Instrument	2020-00007951

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2014: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 31, 2014
Property Address	1035 DECOY CT, NORMAL, IL 61761-9681
Document Number	201400023689
Map Reference	DOC2013-31480
Instrument Date	Dec 29, 2014
Instrument	2014-00023689
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 File
Loan-to-Value (LTV)	LTV on Record
Tax	$349.50
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 by the Entirety
Address	1035 DECORY CT, NORMAL, IL 61761-9681

Mortgage

Document Number	201400023690
Date	Dec 31, 2014
Instrument	2014-00023690

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2030

Interest

Rate	3.12%

February 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 21, 2014
Property Address	1035 DECOY CT, NORMAL, IL 61761-9681
Document Number	201400002970
Map Reference	DOC2013-00031480
Instrument Date	Feb 07, 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 07, 2015

Tax Assessment & Valuation

Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$114,773 (+21.55%) Land $20,927 Building $93,846	$344,319 (+21.55%) Land $62,781 Building $281,538
2024	$8,041.00 (+7.27%)
2023	$7,496.00	$94,425 Land $17,217 Building $77,208	$283,275 Land $51,651 Building $231,624

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130051025, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 333 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Metronet Holdings	Fiber	5,120 / 5,120
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Benton Ridge Telephone Company	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Pavlov Media. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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