McLean County property record for 1206 Silver Oak Cir, Normal, IL 61761 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,101 sqft · built 2010 |
| Lot Size | 0.33 acres (14,374 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Aug 2021) |
| Tax Bill | $13,006 (2024) |
| Deeds & Mortgages | Sep 2017 Mortgage Feb 2021 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-19-101-028 |
| Primary APN | 15-19-101-028 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,101 sqft Living Area |
| 1st Floor Area | 2,233 sqft |
| 2nd Floor Area | 1,969 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 14,374 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1206 SILVER OAK CIR |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-9401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER OAK ESTATES SUB LT 6 |
| Legal Range | 03E |
| Legal Township | 24N |
| Legal Section | 19 |
| Legal Subdivision | SILVER OAK ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | TOWANDA |
| Census Block Group | 5 |
| Census Block | 5107 |
| Census Tract | 5102 |
Source: McLean County records · APN 15-19-101-028
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 | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 18, 2017 | Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK |
| Feb 01, 2021 | Deed of Trust, Mortgage · ARM BUSEY BANK |
| Nov 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK |
| Jun 09, 2010 | Deed of Trust, Mortgage · Line of Credit CITIZENS EQUITY FCU |
| Jul 11, 2016 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HEARTLAND BANK & TRUST CO |
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK |
| Aug 09, 2017 | Warranty Deed, Transfer · ARM BUSEY BANK |
| Mar 07, 2012 | Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Prior Sale | Mar 07, 2012 · Amount on Record |
| Deed Document Number | 202120728 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201700016961 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 2017-00016961 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 28, 2037 |
| Rate | 4.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Title Company | MCLEAN COUNTY TITLE |
| Name | Verified Name |
|---|
| Document Number | 202100002346 |
|---|---|
| Date | Feb 01, 2021 |
| Instrument | 2021-00002346 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Sep 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Title Company | FTC |
| Name | Verified Name |
|---|
| Document Number | 202100026219 |
|---|---|
| Date | Nov 01, 2021 |
| Instrument | 2021-00026219 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Address | PAW PAW, IL 61353 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 01, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201000012529 |
|---|---|
| Date | Jun 09, 2010 |
| Instrument | 2010-00012529 |
| Name | CITIZENS EQUITY FCU |
|---|---|
| Type | Credit Union |
| Address | PEORIA, IL 61615 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2010 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201600012534 |
|---|---|
| Date | Jul 11, 2016 |
| Instrument | 2016-00012534 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Dec 29, 2016 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Aug 26, 2021 |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202100020728 |
| Map Reference | DOC 2006-00012043 |
| Instrument Date | Aug 16, 2021 |
| Instrument | 2021-00020728 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | FTC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202100020729 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021-00020729 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Aug 09, 2017 |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 201700014312 |
| Map Reference | DOC2006-12043 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 2017-00014312 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | FRONTIER TITLE COMPANY, FRONTIER TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 201700014313 |
|---|---|
| Date | Aug 09, 2017 |
| Instrument | 2017-00014313 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Aug 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.75% |
| Index | 1-Year LIBOR |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Mar 07, 2012 |
| Property Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 201200005839 |
| Map Reference | DOC2006-12043 |
| Instrument Date | Jan 30, 2012 |
| Instrument | 2012-00005839 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1206 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 201200005840 |
|---|---|
| Date | Mar 07, 2012 |
| Instrument | 2012-00005840 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2042 |
Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 2026
| 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) |
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 | $181,611 (+21.55%) Land $36,200 Building $145,411 | $544,833 (+21.55%) Land $108,600 Building $436,233 | |
| 2024 | $13,006.00 (+6.98%) | ||
| 2023 | $12,157.00 | $149,413 Land $29,782 Building $119,631 | $448,239 Land $89,346 Building $358,893 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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