McLean County property record for 1412 Montgomery St, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,832 sqft · built 2002 |
| Lot Size | 0.103 acres (4,505 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jul 2024) |
| Tax Bill | $4,294 (2024) |
| Deeds & Mortgages | Dec 2025 Sale Oct 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-22-330-014 |
| Primary APN | 14-22-330-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| 1st Floor Area | 916 sqft |
| Basement Area | 916 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 4,505 sqft (0.103 acres) |
| Lot Dimensions | 103 ft deep x 32 ft wide |
| Garage Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1412 MONTGOMERY ST |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-5750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | SAVANNAH GREEN SUB 4TH ADD LT 122 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 22 |
| Legal Subdivision | SAVANNAH GREEN SUB |
| Legal Lot Number | 122 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 109 |
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 | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 30, 2025 | Warranty Deed, Transfer |
| Oct 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SERVICES III LLC |
| Mar 19, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF CHATSWORTH |
| Mar 26, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK |
| Jun 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC |
| Sep 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage ALLIANT CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Prior Sale | Jun 12, 2023 · Amount on Record |
| Deed Document Number | 202410468 |
| Prior Transfer Date | Sep 21, 2011 |
| Prior Transfer Doc | 0000004109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Dec 30, 2025 |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Number | 202500018684 |
| Map Reference | DOC 2001R31238 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025-00018684 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Title Company | ALLIANCE LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 201700018816 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2017-00018816 |
| Name | MORTGAGE SERVICES III LLC |
|---|---|
| Type | Lending Institution |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 201800004235 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 2018-00004235 |
| Name | CITIZENS BANK OF CHATSWORTH |
|---|---|
| Type | Bank |
| Address | NORMAL, IL 61761 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Mar 9, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 202100007169 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021-00007169 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 12, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Jun 12, 2023 |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Number | 202300007346 |
| Map Reference | DOC 2001R31238 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 2023-00007346 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Title Company | ALLIANCE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Number | 202300007347 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 2023-00007347 |
| Name | FIRST STATE MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Document Number | 202300007348 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 2023-00007348 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Sep 23, 2022 |
| Property Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Number | 202200017064 |
| Map Reference | DOC 2001R31238 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 2022-00017064 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2024 |
| Title Company | NOT AVAILABLE, FTC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $179.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1412 MONTGOMERY ST, NORMAL, IL 61761-5750 |
| Document Number | 202200017065 |
|---|---|
| Date | Sep 23, 2022 |
| Instrument | 2022-00017065 |
| Name | ALLIANT CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10% |
| Index | 12-Month MTA |
| Max Rate | 10% |
Source: McLean County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McLean County |
| County Subdivision | Normal Township |
| Municipality | Normal Town |
| Unified School District | McLean County Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $64,278 (+9.14%) Land $9,932 Building $54,346 | $192,834 (+9.14%) Land $29,796 Building $163,038 | |
| 2024 | $4,294.00 (+7.38%) | $58,895 (+11.68%) Land $9,100 Building $49,795 | $176,685 (+11.68%) Land $27,300 Building $149,385 |
| 2023 | $3,999.00 (-6.54%) | $52,735 (+10.69%) Land $8,148 Building $44,587 | $158,205 (+10.69%) Land $24,444 Building $133,761 |
| 2022 | $4,279.00 | $47,642 Land $7,361 Building $40,281 | $142,926 Land $22,083 Building $120,843 |
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 | 2 in force |
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 | Not rated no burnable land within ember reach |
|---|
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 452 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 |
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