1078 Mugho Ct, Normal, IL 61761 Property Records

McLean County property record for 1078 Mugho Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,873 sqft · built 2006
Lot Size	0.289 acres (11,502 sqft)
Owner	2 Individual Names on File
Last Sale	$279,500 (Oct 2006)
Tax Bill	$8,692 (2024)
Deeds & Mortgages	Apr 2019 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-15-451-016`

Property Details

APN / Parcel Number

Primary APN	`14-15-451-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,873 sqft Living Area
1st Floor Area	1,873 sqft
Basement Area	1,873 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	11,502 sqft (0.289 acres)
Lot Dimensions	120 ft deep x 95.5 ft wide
Garage Area	601 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1078 MUGHO CT
City	NORMAL
State	IL
Zip	61761-9551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	WINTERGREEN SUB 1ST ADD LT 77
Legal Range	02E
Legal Township	24N
Legal Section	15
Legal Subdivision	WINTERGREEN SUB
Legal Lot Number	77
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1005
Census Tract	109

Owner

1078 Mugho Ct is owned and occupied by two individuals who bought it in October 2006.

Source: McLean County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1078 MUGHO CT, NORMAL, IL 61761-9551
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK OF BLOOMINGTON
Sep 26, 2017	Deed of Trust, Mortgage · ARM CEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2006 · Amount on File
Deed Sale	Oct 16, 2006 · Amount on File
Deed Document Number	200628632
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1078 MUGHO CT, NORMAL, IL 61761-9551
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005293
Date	Apr 12, 2019
Instrument	2019-00005293

Lender

Name	FIRST STATE BANK OF BLOOMINGTON
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 10, 2024

Interest

Rate	4.66%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1078 MUGHO CT, NORMAL, IL 61761-9551
Transaction Type	Mortgage
Record Updated	Oct 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-00017518
Date	Sep 26, 2017
Instrument	2017-00017518

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61656

Agreement

Type	ARM
Amount	Amount on Record
Term	348 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2019
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Normal 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		$123,394 Land $26,536 Building $96,858	$370,182 Land $79,608 Building $290,574
2024	$8,692.00 (+6.65%)
2023	$8,150.00	$101,236 Land $21,771 Building $79,465	$303,708 Land $65,313 Building $238,395

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

FEMA maps place 1078 Mugho Ct in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 1078 Mugho Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 335 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
Watch TV Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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