1205 Spear Dr, Normal, IL 61761 Property Records

McLean County property record for 1205 Spear Dr, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,646 sqft · built 1967
Lot Size	0.287 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,500 (Mar 2016)
Tax Bill	$6,430 (2024)
Deeds & Mortgages	Nov 2012 Mortgage Oct 2011 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-27-452-015`

Property Details

APN / Parcel Number

Primary APN	`14-27-452-015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,646 sqft Living Area
1st Floor Area	1,646 sqft
Basement Area	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	9,900 sqft (0.287 acres)
Lot Dimensions	110 ft deep x 90 ft wide
Garage Area	652 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	1205 SPEAR DR
City	NORMAL
State	IL
Zip	61761-3168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	4TH ADD PLEASANT HILL SUB LOT 161
Legal Range	02E
Legal Township	24N
Legal Section	27
Legal Subdivision	PLEASANT HILL
Legal Lot Number	161
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1011
Census Tract	502

Owner

Source: McLean County records, as of April 21, 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	1205 SPEAR DR, NORMAL, IL 61761-3168
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2012	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Oct 20, 2011	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Apr 10, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Mar 29, 2016	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC
May 25, 2011	Trustee's Deed, Foreclosure · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2016 · Amount on Record
Deed Sale	Mar 29, 2016 · Amount on Record
Prior Sale	May 25, 2011 · Amount on Record
Deed Document Number	20164991
Last Transfer Date	Dec 17, 2020
Transfer Doc	0000028103
Record Updated	Oct 29, 2026

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200028259
Date	Nov 7, 2012
Instrument	2012-00028259

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2042

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100023042
Date	Oct 20, 2011
Instrument	2011-00023042

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2041

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Apr 10, 2026
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Document Number	202600004782
Instrument Date	Mar 19, 2026
Instrument	20264782
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004782,
Date	Apr 10, 2026
Instrument	20264782

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Apr 1, 2054

Interest

Rate	7%
Max Rate	-1%

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Dec 22, 2020
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Document Number	202000028103
Instrument Date	Dec 17, 2020
Instrument	2020-00028103
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

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
Relationship	Tenants by the Entirety
Address	1205 SPEAR DR, NORMAL, IL 61761-3168

Mortgage

Document Number	202000028104
Date	Dec 22, 2020
Instrument	2020-00028104

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 29, 2016
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Document Number	201600004991
Instrument Date	Mar 25, 2016
Instrument	2016-00004991
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$306.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 SPEAR DR, NORMAL, IL 61761-3168

Mortgage

Document Number	201600004992
Date	Mar 29, 2016
Instrument	2016-00004992

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate

May 2011: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	May 25, 2011
Property Address	1205 SPEAR DR, NORMAL, IL 61761-3168
Document Number	201100011724
Instrument Date	May 20, 2011
Instrument	2011-00011724
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1205 SPEAR DR # DRQ, DRQ, NORMAL, IL 61761-3168

Mortgage

Document Number	201100011725
Date	May 25, 2011
Instrument	2011-00011725

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2041

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		$92,986 (+21.89%) Land $16,752 Building $76,234	$278,958 (+21.89%) Land $50,256 Building $228,702
2024	$6,430.00 (+6.9%)
2023	$6,015.00	$76,289 Land $13,744 Building $62,545	$228,867 Land $41,232 Building $187,635

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 · 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 Claims	2 (2019–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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

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 442 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media, Watch TV.

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