1203 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1203 Silver Oak Cir, Normal, IL 61761 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	6 Beds
Bathrooms	3 Baths
Year Built	Built 2008
Square Footage	2,105 sqft Living Area
Lot Size	13,503 sqft (0.31 acres)
Occupancy	Owner Occupied
Last Sale	$447,000 (2016)
Tax Bill	$16,822.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`15-19-104-006`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Building Area	2,105 sqft Living Area
1st Floor	2,105 sqft 1st Floor
2nd Floor	912 sqft 2nd Floor
Basement Area	2,105 sqft Basement
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Material	Asphalt Roof
Lot Area	13,503 sqft (0.31 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	1,006 sqft Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Street Address	1203 SILVER OAK CIR
City	NORMAL
State	IL
Zip	61761-9401
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SILVER OAK ESTATES SUB LT 23
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	23
Jurisdiction	MCLEAN IL
Minor Civil Division	TOWANDA
Census Blockgroup	5
Census Block	5107
Census Tract	5102

Owner

Source: McLean County records · APN 15-19-104-006

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	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 02, 2013	Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) HEARTLAND BANK & TRUST CO
Sep 30, 2013	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jan 11, 2008	Deed of Trust, Mortgage · Building or Construction Mortgage BANK OF ILLINOIS
Dec 06, 2016	Deed of Trust, Mortgage · Stand Alone Second Mortgage HEARTLAND BANK & TRUST CO
Dec 03, 2010	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Dec 08, 2016	Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) BUSEY BANK
May 24, 2010	Corporation Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO
Sep 20, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 08, 2016 · Amount on Record
Deed Sale	Dec 08, 2016 · Amount on Record
Prior Sale	May 24, 2010 · Amount on Record
Deed Doc Number	201623357
Record Refreshed	Jun 08, 2026

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201300029349
Date	Dec 02, 2013
Instrument	2013-00029349

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2028

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Dec 01, 2018
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	12.6%

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNTIY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201300024984
Date	Sep 30, 2013
Instrument	2013-00024984

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2028

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	200800001005
Date	Jan 11, 2008
Instrument	2008-00001005

Lender

Name	BANK OF ILLINOIS
Address	NORMAL, IL 61761

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201600023146
Date	Dec 06, 2016
Instrument	2016-00023146

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Stand Alone Second Mortgage
Amount	Amount Recorded
Term	5 Months
Due	May 23, 2017

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201000030965
Date	Dec 03, 2010
Instrument	2010-00030965

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2025

December 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 08, 2016
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	201600023357
Map Reference	DOC20096-0012043
Instrument Date	Nov 30, 2016
Instrument	2016-00023357
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$670.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number	201600023358
Date	Dec 08, 2016
Instrument	2016-00023358

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Dec 01, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	9.87%

Mortgage

Document Number	201600023359
Date	Dec 08, 2016
Instrument	2016-00023359

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Dec 01, 2021
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	11.2%

May 2010: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	MCLEAN IL
Recording Date	May 24, 2010
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	201000010952
Map Reference	DOC2006-00012043
Instrument Date	May 10, 2010
Instrument	2010-00010952
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Investor	Possibly a Property Investor

Mortgage

Document Number	201000010953
Date	May 24, 2010
Instrument	2010-00010953

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2025

Mortgage

Document Number	201000010954
Date	May 24, 2010
Instrument	2010-00010954

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Type	Stand Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2025

Interest

Rate Type	Fixed Rate
Rate	7%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Jun 01, 2015
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	52-Week T-Bill (1-Year)
Max Rate	13%

September 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 20, 2007
Property Address	1203 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	200700026009
Map Reference	DOC2006-00012043
Instrument Date	Sep 18, 2007
Instrument	2007-00026009
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Tax	$149.25
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2201 EASTLAND DR STE 4, 4, BLOOMINGTON, IL 61704-7923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6035, BLOOMINGTON, IL 61702-6035
Investor	Possibly a Property Investor

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		$232,990 (+21.55%) Land $40,472 Building $192,518	$698,970 (+21.55%) Land $121,416 Building $577,554
2024	$16,822.00 (+6.87%)
2023	$15,740.00	$191,683 Land $33,297 Building $158,386	$575,049 Land $99,891 Building $475,158

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

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; lenders make the official flood determination.

1203 Silver Oak Cir, Normal, IL 61761 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2013: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2013: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2008: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2016: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2010: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2016: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

Interest

May 2010: Corporation Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Interest

September 2007: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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