3251 Topaz Rd, Normal, IL 61761 Property Records

McLean County property record for 3251 Topaz Rd, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,120 sqft · built 2003
Lot Size	0.178 acres (7,755 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (May 2024)
Tax Bill	$7,796 (2024)
Deeds & Mortgages	May 2024 Sale & Mortgage Aug 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-24-228-002`

Property Details

APN / Parcel Number

Primary APN	`14-24-228-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	957 sqft
Basement Area	957 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,755 sqft (0.178 acres)
Lot Dimensions	110 ft deep x 70.5 ft wide
Garage Area	628 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3251 TOPAZ RD
City	NORMAL
State	IL
Zip	61761-9388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	EAGLES LANDING SUB LT 64
Legal Range	02E
Legal Township	24N
Legal Section	24
Legal Subdivision	EAGLES LANDING SUB
Legal Lot Number	64
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1015
Census Tract	507

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	3251 TOPAZ RD, NORMAL, IL 61761-9388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Aug 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 25, 2020	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORP
Feb 13, 2020	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Feb 13, 2020 · Amount on Record
Deed Document Number	20245412
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 3, 2024
Property Address	3251 TOPAZ RD, NORMAL, IL 61761-9388
Document Number	202400005412
Map Reference	DOC 2001-16219
Instrument Date	Apr 30, 2024
Instrument	2024-00005412
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3251 TOPAZ RD, NORMAL, IL 61761-9388

Mortgage

Document Number	202400005413
Date	May 3, 2024
Instrument	2024-00005413

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2039

Interest

Rate Type	Fixed Rate
Rate	5.87%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3251 TOPAZ RD, NORMAL, IL 61761-9388
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300010843
Date	Aug 16, 2023
Instrument	2023-00010843

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2053

Interest

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3251 TOPAZ RD, NORMAL, IL 61761-9388
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003485
Date	Feb 25, 2020
Instrument	2020-00003485

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 13, 2020
Property Address	3251 TOPAZ RD, NORMAL, IL 61761-9388
Document Number	202000002812
Map Reference	DOC 2001-16219
Instrument Date	Dec 24, 2019
Instrument	2020-00002812
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3251 TOPAZ RD, NORMAL, IL 61761-9388

Mortgage

Document Number	202000002813
Date	Feb 13, 2020
Instrument	2020-00002813

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Mortgage

Document Number	202000002814
Date	Feb 13, 2020
Instrument	2020-00002814

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$111,341 (+21.89%) Land $24,419 Building $86,922	$334,023 (+21.89%) Land $73,257 Building $260,766
2024	$7,796.00 (+6.74%)
2023	$7,304.00	$91,348 Land $20,034 Building $71,314	$274,044 Land $60,102 Building $213,942

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

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 225 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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