1227 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1227 Silver Oak Cir, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	1,371 sqft · built 2014
Lot Size	0.28 acres (12,196 sqft)
Owner	Company Name on Record
Last Sale	$355,000 (Feb 2019)
Tax Bill	$12,268 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2014 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-101-041`

Property Details

APN / Parcel Number

Primary APN	`15-19-101-041`

Interior

Stories	2 Stories
Building Area	1,371 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Lot Area	12,196 sqft (0.28 acres)

Location & Zoning

Street Address	1227 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 17 & W3 OL 26
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	17
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	Company Name on Record
Mailing Address	1204 SILVER OAK CIR, NORMAL, IL 61761-9401
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTON COMMUNITY BANK
Apr 21, 2014	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO
Feb 21, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTON COMMUNITY BANK
Sep 8, 2014	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Sep 8, 2014 · Amount on Record
Deed Document Number	20192489
Last Transfer Date	Oct 25, 2024
Transfer Doc	0000017430
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1227 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FRONTIER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016368
Date	Oct 10, 2019
Instrument	2019-00016368

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1227 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201400006043
Date	Apr 21, 2014
Instrument	2014-00006043

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Nov 15, 2014

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 21, 2019
Property Address	1227 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	201900002489
Map Reference	DOC 2006-12043
Instrument Date	Jun 13, 2018
Instrument	2019-00002489
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.50
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	1227 SILVER OAK CIR, NORMAL, IL 61761-9401

Mortgage

Document Number	201900002490
Date	Feb 21, 2019
Instrument	2019-00002490

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

September 2014: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 8, 2014
Property Address	1227 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	201400015673
Map Reference	DOC2006-12043
Instrument Date	Aug 27, 2014
Instrument	2014-00015673
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 13, 2026
Title Company	FIRST COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1227 SILVER OAK CIR, NORMAL, IL 61761-9401
Investor	Possibly a Property Investor

Mortgage

Document Number	201400015674
Date	Sep 8, 2014
Instrument	2014-00015674

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2044

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		$171,672 (+21.55%) Land $43,161 Building $128,511	$515,016 (+21.55%) Land $129,483 Building $385,533
2024	$12,268.00 (+7.01%)
2023	$11,464.00	$141,236 Land $35,509 Building $105,727	$423,708 Land $106,527 Building $317,181

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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