1225 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1225 Silver Oak Cir, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,167 sqft · built 2006
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2022)
Tax Bill	$19,756 (2024)
Deeds & Mortgages	Oct 2022 Sale May 2022 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-101-038`

Property Details

APN / Parcel Number

Primary APN	`15-19-101-038`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,167 sqft Living Area
1st Floor Area	2,167 sqft
2nd Floor Area	2,167 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	848 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	1225 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 LOT 16
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	16
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	1225 SILVER OAK CIR, NORMAL, IL 61761-9401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE
May 10, 2022	Sheriff's Deed, Foreclosure
Mar 6, 2008	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Mar 6, 2008 · Amount on Record
Deed Document Number	202218404
Record Updated	Jun 8, 2026

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 12, 2022
Property Address	1225 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	202200018404
Map Reference	DOC 2006-0012043
Instrument Date	Sep 30, 2022
Instrument	2022-00018404
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 DECKER LAKE DR, SALT LAKE CITY, UT 84119-3284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 SILVER OAK CIR, NORMAL, IL 61761-9401

May 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MCLEAN IL
Recording Date	May 10, 2022
Property Address	1225 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	202200008642
Map Reference	DOC 2006-00012043
Instrument Date	Feb 8, 2022
Instrument	2022-00008642
Transaction Type	Foreclosure
Record Updated	Apr 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR, SALT LAKE CITY, UT 84119-3284

March 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 6, 2008
Property Address	1225 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	200800006033
Instrument Date	Feb 29, 2008
Instrument	2008-00006033
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$838.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2201 EASTLAND DR STE 4, 4, BLOOMINGTON, IL 61704-7923

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1225 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number	200800006034
Date	Mar 6, 2008
Instrument	2008-00006034

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2038

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		$90,341 (-59.7%) Land $43,161 Building $47,180	$271,023 (-59.7%) Land $129,483 Building $141,540
2024	$19,756.00 (+6.82%)
2023	$18,495.00 (+2.98%)	$224,178 (+10.99%) Land $35,509 Building $188,669	$672,535 (+10.99%) Land $106,527 Building $566,008
2022	$17,960.00	$201,980 Land $31,993 Building $169,987	$605,940 Land $95,979 Building $509,961

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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