1108 Kern St, Normal, IL 61761 Property Records

McLean County property record for 1108 Kern St, Normal, IL 61761 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1963
Lot Size	0.236 acres (10,160 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Feb 2017)
Tax Bill	$4,756 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-32-226-033`

Property Details

APN / Parcel Number

Primary APN	`14-32-226-033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	10,160 sqft (0.236 acres)
Lot Dimensions	127 ft deep x 80 ft wide
Garage Area	392 sqft
Porch	Enclosed Frame Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1108 KERN ST
City	NORMAL
State	IL
Zip	61761-3368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAUGH SUB LOT 1 & (EX W50) LOT 2
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	BAUGH SUB
Legal Lot Number	1,2
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3003
Census Tract	301

Owner

Source: McLean County records · APN 14-32-226-033

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	2 Individual Names on File
Mailing Address	1108 KERN ST, NORMAL, IL 61761-3368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 04, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 06, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Feb 13, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2017 · Amount on Record
Deed Sale	Feb 13, 2017 · Amount on Record
Prior Sale	Apr 04, 2013 · Amount on Record
Deed Document Number	20172721
Prior Transfer Date	Jul 08, 2011
Prior Transfer Doc	0000015468
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1108 KERN ST, NORMAL, IL 61761-3368
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000023688
Date	Nov 04, 2020
Instrument	2020-00023688

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 01, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1108 KERN ST, NORMAL, IL 61761-3368
Transaction Type	Mortgage
Record Updated	Dec 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900020248
Date	Dec 06, 2019
Instrument	2019-00020248

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

Interest

Rate Type	Fixed Rate
Rate	3.37%
Change Frequency	4 Years

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 13, 2017
Property Address	1108 KERN ST, NORMAL, IL 61761-3368
Document Number	201700002721
Instrument Date	Feb 03, 2017
Instrument	2017-00002721
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
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	1108 KERN ST, NORMAL, IL 61761-3368

Mortgage

Document Number	201700002722
Date	Feb 13, 2017
Instrument	2017-00002722

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2047

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	Normal 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		$70,482 (+21.89%) Land $13,838 Building $56,644	$211,446 (+21.89%) Land $41,514 Building $169,932
2024	$4,756.00 (+7.24%)
2023	$4,435.00	$57,825 Land $11,353 Building $46,472	$173,475 Land $34,059 Building $139,416

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 171130003013, 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	1 in force

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 294 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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