1229 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1229 Silver Oak Cir, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	1,877 sqft · built 2022
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Jan 2022)
Tax Bill	$18,709 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-103-019`

Property Details

APN / Parcel Number

Primary APN	`15-19-103-019`

Interior

Stories	2 Stories
Building Area	1,877 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	14,374 sqft (0.33 acres)

Location & Zoning

Street Address	1229 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 42
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	42
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	Individual Name on Record
Mailing Address	1229 SILVER OAK CIR, NORMAL, IL 61761-9401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage IAA CU
Jul 8, 2022	Deed of Trust, Mortgage · Construction Mortgage INB NATIONAL ASSOCIATION
Jan 31, 2022	Warranty Deed, Transfer FTC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	20222104
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1229 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	ILLINOIS TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002789
Date	Mar 3, 2023
Instrument	2023-00002789

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	10.8%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1229 SILVER OAK CIR, NORMAL, IL 61761-9401
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	ILLINOIS TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200011993
Date	Jul 8, 2022
Instrument	2022-00011993

Lender

Name	INB NATIONAL ASSOCIATION
Type	Bank
Address	SPRINGFIELD, IL 62701

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 29, 2023

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 31, 2022
Property Address	1229 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	202200002104
Map Reference	DOC 2021-00025804
Instrument Date	Jan 20, 2022
Instrument	2022-00002104
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FTC

Transaction

Amount	Amount Recorded
Tax	$87.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 BLUE BILL WAY, NORMAL, IL 61761-9400

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		$240,520 (+13.14%) Land $37,774 Building $202,746	$721,560 (+13.14%) Land $113,322 Building $608,238
2024	$18,709.00 (+3.82%)
2023	$18,021.00	$212,584 Land $31,077 Building $181,507	$637,753 Land $93,231 Building $544,522

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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