1220 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1220 Silver Oak Cir, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,901 sqft · built 2006
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Feb 2007)
Tax Bill	$17,068 (2024)
Deeds & Mortgages	Feb 2012 Mortgage Jul 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-104-005`

Property Details

APN / Parcel Number

Primary APN	`15-19-104-005`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,901 sqft Living Area
1st Floor Area	2,901 sqft
Basement Area	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	1,154 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1220 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 18
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	18
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	1220 SILVER OAK CIR, NORMAL, IL 61761-9401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jul 7, 2009	Deed of Trust, Mortgage FIRST CENTENNIAL MORTGAGE CORP
Feb 8, 2007	Warranty Deed, Transfer · Conventional Mortgage 1ST ADVANTAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2007 · Amount on Record
Deed Sale	Feb 8, 2007 · Amount on Record
Deed Document Number	20073737
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1220 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200004412
Date	Feb 17, 2012
Instrument	2012-00004412

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2027

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1220 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900021605
Date	Jul 7, 2009
Instrument	2009-00021605

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2039

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 8, 2007
Property Address	1220 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	200700003737
Map Reference	DOC2006-00012043
Instrument Date	Feb 2, 2007
Instrument	2007-00003737
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.00
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	1220 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number	200700003738
Date	Feb 8, 2007
Instrument	2007-00003738

Lender

Name	1ST ADVANTAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2037

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		$241,718 (+21.55%) Land $40,472 Building $201,246	$725,154 (+21.55%) Land $121,416 Building $603,738
2024	$17,068.00 (+7.18%)
2023	$15,925.00 (+6.42%)	$198,864 (+10.92%) Land $33,297 Building $165,567	$596,592 (+10.92%) Land $99,891 Building $496,701
2022	$14,964.00	$179,284 Land $30,111 Building $149,173	$537,852 Land $90,333 Building $447,519

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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