McLean County property record for 1251 Silver Oak Cir, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 3,556 sqft · built 2023 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,333 (Nov 2022) |
| Tax Bill | $22,983 (2024) |
| Deeds & Mortgages | Jun 2023 Construction Loan Dec 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-19-104-008 |
| Primary APN | 15-19-104-008 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,556 sqft Living Area |
| 1st Floor Area | 3,556 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Wood Siding |
| Lot Area | 13,503 sqft (0.31 acres) |
| Street Address | 1251 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 49 |
| Legal Subdivision | SILVER OAK ESTATES |
| Legal Lot Number | 49 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | TOWANDA |
| Census Block Group | 5 |
| Census Block | 5107 |
| Census Tract | 5102 |
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 | 2206 TORI ANN LN, BLOOMINGTON, IL 61704-3420 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Construction Mortgage BANK OF SPRINGFIELD |
| Dec 1, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD |
| May 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD |
| Oct 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD |
| Nov 4, 2022 | Warranty Deed, Subdivision Related Transfer ILLINOIS TITLE GROUP LLC |
| Jan 31, 2022 | Warranty Deed, Transfer FTC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2022 · Amount on Record |
| Deed Sale | Nov 4, 2022 · Amount on Record |
| Deed Document Number | 202219693 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202300007755 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 2023-00007755 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | May 8, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202500017062 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025-00017062 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202400006691 |
|---|---|
| Date | May 30, 2024 |
| Instrument | 2024-00006691 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202400015480 |
|---|---|
| Date | Oct 22, 2024 |
| Instrument | 2024-00015480 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.97% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Nov 4, 2022 |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202200019693 |
| Map Reference | DOC 2021-00025804 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022-00019693 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | ILLINOIS TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $130.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2206 TRVI ANN LANE, BLOOMINGTON, IL 61704 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Jan 31, 2022 |
| Property Address | 1251 SILVER OAK CIR, NORMAL, IL 61761-9401 |
| Document Number | 202200002100 |
| Map Reference | DOC 2021-00025804 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 2022-00002100 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | FTC |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1511 STONEROLLER CIR, BLOOMINGTON, IL 61705-5310 |
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 | $309,424 (+829.28%) Land $40,472 Building $268,952 | $928,272 (+829.28%) Land $121,416 Building $806,856 | |
| 2024 | $22,983.00 (+714.42%) | ||
| 2023 | $2,822.00 | $33,297 Land $33,297 | $99,891 Land $99,891 |
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.
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.
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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