1202 N Oak St, Normal, IL 61761 Property Records

McLean County property record for 1202 N Oak St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,166 sqft · built 1974
Lot Size	0.253 acres (11,041 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Sep 2023)
Tax Bill	$4,638 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-304-003`

Property Details

APN / Parcel Number

Primary APN	`14-22-304-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,166 sqft Living Area
1st Floor Area	1,166 sqft
Basement Area	1,166 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	11,041 sqft (0.253 acres)
Lot Dimensions	120 ft deep x 92 ft wide
Garage Area	616 sqft
Porch	Open Frame Porch
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1202 N OAK ST
City	NORMAL
State	IL
Zip	61761-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOT 28 1ST ADDN TO BEVERLY HILLS SUB
Legal Range	02E
Legal Township	24N
Legal Section	22
Legal Subdivision	BEVERLY HILLS
Legal Lot Number	28
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2002
Census Tract	106

Owner

Source: McLean County records, as of April 28, 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	1202 N OAK ST, NORMAL, IL 61761-1425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit MORTON COMMUNITY BANK
Sep 18, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTON COMMUNITY BANK
Mar 30, 2022	Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Jun 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Prior Sale	Mar 30, 2022 · Amount on Record
Deed Document Number	202312585
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	0000013610
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Apr 17, 2026
Property Address	1202 N OAK ST, NORMAL, IL 61761-1425
Document Number	0000005122
Instrument Date	Mar 24, 2026
Instrument	20265122
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 N OAK ST, NORMAL, IL 61761-1425

Mortgage

Document Number	0000005122,
Date	Apr 17, 2026
Instrument	20265122

Lender

Name	MORTON COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 24, 2036

Interest

Rate Type	Balloon
Rate	5.98%
Initial Type	Balloon
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 18, 2023
Property Address	1202 N OAK ST, NORMAL, IL 61761-1425
Document Number	202300012585
Instrument Date	Sep 11, 2023
Instrument	2023-00012585
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 N OAK ST, NORMAL, IL 61761-1425

Mortgage

Document Number	202300012586
Date	Sep 18, 2023
Instrument	2023-00012586

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	11.2%

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 30, 2022
Property Address	1202 N OAK ST, NORMAL, IL 61761-1425
Document Number	202200005824
Instrument Date	Mar 16, 2022
Instrument	2022-00005824
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 N OAK ST, NORMAL, IL 61761-1425

Mortgage

Document Number	202200005825
Date	Mar 30, 2022
Instrument	2022-00005825

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.12%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Jun 9, 2021
Property Address	1202 N OAK ST, NORMAL, IL 61761-1425
Document Number	202100013610
Instrument Date	May 25, 2021
Instrument	2021-00013610
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 N OAK ST, NORMAL, IL 61761-1425

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		$74,355 (+21.89%) Land $17,098 Building $57,257	$223,065 (+21.89%) Land $51,294 Building $171,771
2024	$4,638.00 (-1.47%)
2023	$4,707.00 (-4.91%)	$61,003 (+10.69%) Land $14,028 Building $46,975	$183,009 (+10.69%) Land $42,084 Building $140,925
2022	$4,950.00	$55,111 Land $12,673 Building $42,438	$165,333 Land $38,019 Building $127,314

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 447 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

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