McLean County property record for 1228 Silver Oak Cir, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 2,204 sqft · built 2022 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $711,000 (Apr 2023) |
| Tax Bill | $16,359 (2024) |
| Deeds & Mortgages | Dec 2022 Construction Loan Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-19-104-013 |
| Primary APN | 15-19-104-013 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,204 sqft Living Area |
| 1st Floor Area | 2,204 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,503 sqft (0.31 acres) |
| Street Address | 1228 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 1ST ADD LOT 44 |
| Legal Subdivision | SILVER OAK ESTATES |
| Legal Lot Number | 44 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | TOWANDA |
| Census Block Group | 5 |
| Census Block | 5107 |
| Census Tract | 5102 |
1228 Silver Oak Cir is owned and occupied by two individuals who bought it in April 2023.
Source: McLean County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1228 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage MORTON COMMUNITY BANK |
| Apr 4, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NOVUS HOME MORTGAGE |
| Apr 21, 2022 | Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF BLOOMINGTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on File |
| Deed Sale | Apr 4, 2023 · Amount on File |
| Prior Sale | Apr 21, 2022 · Amount on File |
| Deed Document Number | 20234189 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1228 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202200021369 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022-00021369 |
| Name | MORTON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MORTON, IL 61550 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Apr 4, 2023 |
| Property Address | 1228 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202300004189 |
| Map Reference | DOC 2021-00025804 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023-00004189 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | ILLINOIS TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $711.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1228 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202300004190 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 2023-00004190 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Apr 21, 2022 |
| Property Address | 1228 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202200007390 |
| Map Reference | DOC 2021-00025804 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 2022-00007390 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 202200007391 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 2022-00007391 |
| Name | FIRST STATE BANK OF BLOOMINGTON |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Mar 22, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
Source: McLean County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $232,174 Land $40,472 Building $191,702 | $696,522 Land $121,416 Building $575,106 | |
| 2024 | $16,359.00 (+1.03%) | ||
| 2023 | $16,192.00 | $191,012 Land $33,297 Building $157,715 | $573,036 Land $99,891 Building $473,145 |
| $711,000 |
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.
FEMA maps place 1228 Silver Oak Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
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 risk around 1228 Silver Oak Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 53 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 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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