1196 Onyx Ln, Normal, IL 61761 Property Records

McLean County property record for 1196 Onyx Ln, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,655 sqft · built 2002
Lot Size	0.107 acres (4,645 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Mar 2020)
Tax Bill	$6,314 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-24-227-047`

Property Details

APN / Parcel Number

Primary APN	`14-24-227-047`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,655 sqft Living Area
1st Floor Area	635 sqft
Basement Area	635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	4,645 sqft (0.107 acres)
Lot Dimensions	123 ft deep x 37.5 ft wide
Garage Area	440 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	1196 ONYX LN
City	NORMAL
State	IL
Zip	61761-9378
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	RESUB LTS 22-25, 50-57, 82-87, OL 117 EAGLES LANDING LT 57A
Legal Range	02E
Legal Township	24N
Legal Section	24
Legal Subdivision	EAGLES LANDING
Legal Lot Number	22,25
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1012
Census Tract	507

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	1196 ONYX LN, NORMAL, IL 61761-9378
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Mar 27, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Deed Document Number	20205396
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1196 ONYX LN, NORMAL, IL 61761-9378
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	ILLINOIS TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001807
Date	Jan 27, 2022
Instrument	2022-00001807

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	PAW PAW, IL 61353

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.62%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 27, 2020
Property Address	1196 ONYX LN, NORMAL, IL 61761-9378
Document Number	202000005396
Map Reference	DOC 2001-00031235
Instrument Date	Mar 20, 2020
Instrument	2020-00005396
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ILLINOIS TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
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	1196 ONYX LN, NORMAL, IL 61761-9378

Mortgage

Document Number	202000005397
Date	Mar 27, 2020
Instrument	2020-00005397

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

Mortgage

Document Number	202000005398
Date	Mar 27, 2020
Instrument	2020-00005398

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$91,429 (+21.89%) Land $12,358 Building $79,071	$274,287 (+21.89%) Land $37,074 Building $237,213
2024	$6,314.00 (+6.91%)
2023	$5,906.00	$75,011 Land $10,139 Building $64,872	$225,033 Land $30,417 Building $194,616

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 225 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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