313 W Virginia Ave, Normal, IL 61761 Property Records

McLean County property record for 313 W Virginia Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,688 sqft · built 1913
Lot Size	0.189 acres (8,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Nov 2022)
Tax Bill	$4,597 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-33-255-001`

Property Details

APN / Parcel Number

Primary APN	`14-33-255-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,688 sqft Living Area
1st Floor Area	848 sqft
Basement Area	894 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Roof Material	Asphalt
Lot Area	8,249 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Area	440 sqft
Porch	Open Frame Porch
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	313 W VIRGINIA AVE
City	NORMAL
State	IL
Zip	61761-3675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	WARNER & CARTERS HIGHLAND ADD LOT 14 BLK 1
Legal Range	02E
Legal Township	24N
Legal Section	33
Legal Subdivision	WARNER & CARTERS HIGHLAND ADD
Legal Block	1
Legal Lot Number	14
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2032
Census Tract	400

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	2 Individual Names on Record
Mailing Address	313 W VIRGINIA AVE, NORMAL, IL 61761-3675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 18, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Jul 7, 2006 · Amount on Record
Deed Document Number	202220805
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 29, 2022
Property Address	313 W VIRGINIA AVE, NORMAL, IL 61761-3675
Document Number	202200020805
Instrument Date	Nov 17, 2022
Instrument	2022-00020805
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	313 W VIRGINIA AVE, NORMAL, IL 61761-3675

Mortgage

Document Number	202200020806
Date	Nov 29, 2022
Instrument	2022-00020806

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	313 W VIRGINIA AVE, NORMAL, IL 61761-3675
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100021865
Date	Sep 9, 2021
Instrument	2021-00021865

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	313 W VIRGINIA AVE, NORMAL, IL 61761-3675
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013633
Date	Jul 18, 2020
Instrument	2020-00013633

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$68,342 (+21.89%) Land $12,760 Building $55,582	$205,026 (+21.89%) Land $38,280 Building $166,746
2024	$4,597.00 (+7.28%)
2023	$4,285.00 (+6.83%)	$56,069 (+10.69%) Land $10,468 Building $45,601	$168,207 (+10.69%) Land $31,404 Building $136,803
2022	$4,011.00	$50,654 Land $9,457 Building $41,197	$151,962 Land $28,371 Building $123,591

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.

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	3 in force
Nearby Flood Claims	12 (1980–2021)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jun 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 99.1% of the US · lower than 94% 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 296 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Pavlov Media, Watch TV.

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