1230 Silver Oak Cir, Normal, IL 61761 Property Records

McLean County property record for 1230 Silver Oak Cir, Normal, IL 61761 · Last verified April 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.31 acres (13,503 sqft)
Owner	Company Name on File
Last Sale	$363,000 (Jan 2022)
Tax Bill	$3,006 (2024)
Deeds & Mortgages	Aug 2025 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-104-012`

Property Details

APN / Parcel Number

Primary APN	`15-19-104-012`

Exterior

Lot Area	13,503 sqft (0.31 acres)

Location & Zoning

Street Address	1230 SILVER OAK CIR
City	NORMAL
State	IL
Zip	61761-9401
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SILVER OAK ESTATES SUB 1ST ADD LOT 45
Legal Subdivision	SILVER OAK ESTATES
Legal Lot Number	45
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5107
Census Tract	5102

Owner

Source: McLean County records · APN 15-19-104-012

Assessment roll updated April 8, 2026 · Last verified April 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 File
Mailing Address	304 N HERSHEY RD, BLOOMINGTON, IL 61704-3573
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Deed of Trust, Mortgage · Commercial Mortgage BANK OF PONTIAC
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Jan 31, 2022	Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	20221951
Record Updated	Jun 08, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1230 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	202500011858
Date	Aug 26, 2025
Instrument	2025-00011858

Lender

Name	BANK OF PONTIAC
Type	Bank
Address	PONTIAC, IL 61764

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 09, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1230 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	202200020625
Date	Nov 23, 2022
Instrument	2022-00020625

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	2 Months
Due	Jan 20, 2023

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 31, 2022
Property Address	1230 SILVER OAK CIR, NORMAL, IL 61761-9401
Document Number	202200001951
Map Reference	DOC 2021-00025804
Instrument Date	Jan 20, 2022
Instrument	2022-00001951
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N HERSHEY RD, BLOOMINGTON, IL 61704-3573
Investor	Possibly a Property Investor

Mortgage

Document Number	202200001949
Date	Jan 28, 2022
Instrument	2022-00001949

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$40,472 (+21.55%) Land $40,472	$121,416 (+21.55%) Land $121,416
2024	$3,006.00 (+6.52%)
2023	$2,822.00	$33,297 Land $33,297	$99,891 Land $99,891

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130051025, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 1% of the US · above 6% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 53 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Metronet Holdings	Fiber	5,120 / 5,120
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Benton Ridge Telephone Company	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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