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1218 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1218 Silver Oak Cir, Normal, IL 61761

Property Summary

Property TypeSingle Family Home
Details2,459 sqft · built 2016
Lot Size0.31 acres (13,503 sqft)
Owner2 Individual Names on File
Last Sale$528,500 (Jan 2017)
Tax Bill$17,875 (2024)
Deeds & MortgagesJul 2016 Construction Loan
Feb 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-19-104-004

Property Details

APN / Parcel Number

Primary APN15-19-104-004

Interior

Stories1 Story
Building Area2,459 sqft Living Area
1st Floor Area2,459 sqft

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialAluminum/Vinyl
Lot Area13,503 sqft (0.31 acres)

Location & Zoning

Street Address1218 SILVER OAK CIR
CityNORMAL
StateIL
Zip61761-9401
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSILVER OAK ESTATES SUB LT 19
Legal Range03E
Legal Township24N
Legal Section19
Legal SubdivisionSILVER OAK ESTATES
Legal Lot Number19
JurisdictionMCLEAN IL
Township / Civil DivisionTOWANDA
Census Block Group5
Census Block5107
Census Tract5102

Owner

Source: McLean County assessment roll, 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 Record2 Individual Names on File
Mailing Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 26, 2016Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND BANK & TRUST CO
Feb 11, 2020Intrafamily Transfer, Transfer
Jan 4, 2017Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 4, 2017 · Amount on Record
Deed SaleJan 4, 2017 · Amount on Record
Deed Document Number2017150
Last Transfer DateFeb 7, 2020
Transfer Doc0000002681
Record UpdatedJun 8, 2026

July 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLEAN IL
Property Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction TypeMortgage
Record UpdatedApr 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number201600013699
DateJul 26, 2016
Instrument2016-00013699
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressBLOOMINGTON, IL 61702
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term7 Months
DueFeb 22, 2017

February 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCLEAN IL
Recording DateFeb 11, 2020
Property Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number202000002681
Map ReferenceDOC 2006-12043
Instrument DateFeb 7, 2020
Instrument2020-00002681
Transaction TypeTransfer
Record UpdatedApr 13, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401

January 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionMCLEAN IL
Recording DateJan 4, 2017
Property Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number201700000150
Map ReferenceDOC2006-12043
Instrument DateDec 22, 2016
Instrument2017-00000150
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 13, 2026
Title CompanyFIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$792.75
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1218 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number201700000151
DateJan 4, 2017
Instrument2017-00000151
Lender
NamePNC MORTGAGE LLC
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2047

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMcLean County
County SubdivisionTowanda Township
MunicipalityNormal Town
Unified School DistrictMcLean County Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$252,586 (+21.55%) Land $40,472 Building $212,114$757,758 (+21.55%) Land $121,416 Building $636,342
2024$17,875.00 (+7.14%)
2023$16,683.00$207,805 Land $33,297 Building $174,508$623,416 Land $99,891 Building $523,525

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims6 (1979–2021)
Claims Outside the SFHA1 of 6
Most Recent ClaimOct 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORMAL
serves 52,736 people · EPA ID IL1130900
Water SourceGroundwater
Last State InspectionAug 2025
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 53 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Metronet Holdings
Fiber		5,120 / 5,120
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Benton Ridge Telephone Company
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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