1207 N Oak St, Normal, IL 61761 Property Records

McLean County property record for 1207 N Oak St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,806 sqft · built 1976
Lot Size	0.282 acres (12,300 sqft)
Owner	Individual Name on Record
Last Sale	$181,500 (Jun 2019)
Tax Bill	$6,034 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-302-006`

Property Details

APN / Parcel Number

Primary APN	`14-22-302-006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,806 sqft Living Area
1st Floor Area	1,806 sqft
Basement Area	1,807 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	12,300 sqft (0.282 acres)
Lot Dimensions	158 ft deep x 100 ft wide
Garage Area	455 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1207 N OAK ST
City	NORMAL
State	IL
Zip	61761-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	BEG 165 BW COR OL 2 1ST ADD TOWN OF NORMAL: S100, E157.45, N100, W158.64 TO POB
Legal Subdivision	1ST ADD TOWN OF NORMAL
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2003
Census Tract	106

Owner

Source: McLean County records, as of April 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1207 N OAK ST, NORMAL, IL 61761-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 5, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 8, 2017	Warranty Deed, Transfer · VA Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Prior Sale	Jul 8, 2017 · Amount on Record
Deed Document Number	20198464
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 N OAK ST, NORMAL, IL 61761-1424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000024430
Date	Nov 10, 2020
Instrument	2020-00024430

Lender

Name	PNC BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

Interest

Rate	2.62%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 5, 2019
Property Address	1207 N OAK ST, NORMAL, IL 61761-1424
Document Number	201900008464
Instrument Date	May 30, 2019
Instrument	2019-00008464
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 N OAK ST, NORMAL, IL 61761-1424

Mortgage

Document Number	201900008465
Date	Jun 5, 2019
Instrument	2019-00008465

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate	4.12%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 8, 2017
Property Address	1207 N OAK ST, NORMAL, IL 61761-1424
Document Number	201700011958
Instrument Date	Jun 29, 2017
Instrument	2017-00011958
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 EASTLAND DR STE 2, 2, BLOOMINGTON, IL 61704-3575

Mortgage

Document Number	201700011959
Date	Jul 8, 2017
Instrument	2017-00011959

Lender

Name	STATE FARM BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate	3.75%

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		$87,666 (+21.89%) Land $19,232 Building $68,434	$262,998 (+21.89%) Land $57,696 Building $205,302
2024	$6,034.00 (+6.95%)
2023	$5,642.00	$71,923 Land $15,778 Building $56,145	$215,769 Land $47,334 Building $168,435

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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