1217 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1217 Silver Oak Cir, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,671 sqft · built 2009
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jul 2010)
Tax Bill	$16,128 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-101-034`

Property Details

APN / Parcel Number

Primary APN	`15-19-101-034`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,671 sqft Living Area
Gross Area	1,395 sqft
1st Floor Area	1,521 sqft
2nd Floor Area	1,269 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	791 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	475 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1217 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 12
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	12
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5107
Census Tract	5102

Owner

Source: McLean County records, as of April 8, 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	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jul 10, 2021	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Apr 29, 2009	Deed of Trust, Mortgage · Line of Credit CITIZENS EQUITY FIRST CREDIT UNION
Oct 25, 2011	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Oct 25, 2011	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Jul 7, 2010	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF BLOOMINGTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2010 · Amount on Record
Deed Sale	Jul 7, 2010 · Amount on Record
Deed Document Number	201014976
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000023748
Date	Nov 5, 2020
Instrument	2020-00023748

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016264
Date	Jul 10, 2021
Instrument	2021-00016264

Lender

Name	BUSEY BANK
Type	Bank
Address	83141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900012594
Date	Apr 29, 2009
Instrument	2009-00012594

Lender

Name	CITIZENS EQUITY FIRST CREDIT UNION
Address	PEORIA, IL 61615

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 20, 2009

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	ALLIANCE LAND TITLE, ALLIACNED LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100023505
Date	Oct 25, 2011
Instrument	2011-00023505

Lender

Name	BUSEY BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2016

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100023504
Date	Oct 25, 2011
Instrument	2011-00023504

Lender

Name	BUSEY BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

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

July 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 7, 2010
Property Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	201000014976
Map Reference	DOC2006-12043
Instrument Date	Jun 7, 2010
Instrument	2010-00014976
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1217 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number	201000014977
Date	Jul 7, 2010
Instrument	2010-00014977

Lender

Name	FIRST STATE BANK OF BLOOMINGTON

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2040

Mortgage

Document Number	201000014978
Date	Jul 7, 2010
Instrument	2010-00014978

Lender

Name	FIRST STATE BANK OF BLOOMINGTON
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jun 11, 2015

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$223,647 (+31.82%) Land $43,161 Building $180,486	$670,941 (+31.82%) Land $129,483 Building $541,458
2024	$16,128.00 (+16.25%)
2023	$13,874.00	$169,664 Land $35,509 Building $134,155	$508,992 Land $106,527 Building $402,465

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 Policies	5 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Oct 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 333 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
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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