3540 Napa Ln, Normal, IL 61761 Property Records

McLean County property record for 3540 Napa Ln, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,787 sqft · built 2008
Lot Size	0.4 acres (17,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Jul 2026)
Tax Bill	$10,757 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-101-019`

Property Details

APN / Parcel Number

Primary APN	`15-19-101-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,787 sqft Living Area
1st Floor Area	2,283 sqft
2nd Floor Area	1,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	17,463 sqft (0.4 acres)
Garage Type	Attached
Garage Area	782 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3540 NAPA LN
City	NORMAL
State	IL
Zip	61761-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHATEAU ESTATES SUB LT 15
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	CHATEAU ESTATES
Legal Lot Number	15
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5107
Census Tract	5102

Owner

Source: McLean County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3540 NAPA LN, NORMAL, IL 61761-9346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES
Nov 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
May 22, 2017	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	May 22, 2017 · Amount on Record
Deed Document Number	20269479
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 9, 2026
Property Address	3540 NAPA LN, NORMAL, IL 61761-9346
Document Number	0000009479
Instrument Date	Jun 15, 2026
Instrument	20269479
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FRONTIER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,022.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3540 NAPA LN, NORMAL, IL 61761-9346

Mortgage

Document Number	0000009480,
Date	Jul 9, 2026
Instrument	20269480

Lender

Name	FIRST STATE MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%
Initial Type	Fixed Rate
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3540 NAPA LN, NORMAL, IL 61761-9346
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700019725
Date	Nov 1, 2017
Instrument	2017-00019725

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate	3.87%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 22, 2017
Property Address	3540 NAPA LN, NORMAL, IL 61761-9346
Document Number	201700008865
Map Reference	DOC2006-12044
Instrument Date	Apr 28, 2017
Instrument	2017-00008865
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3540 NAPA LN, NORMAL, IL 61761-9346

Mortgage

Document Number	201700008866
Date	May 22, 2017
Instrument	2017-00008866

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$151,327 (+21.55%) Land $33,006 Building $118,321	$453,981 (+21.55%) Land $99,018 Building $354,963
2024	$10,757.00 (+7.09%)
2023	$10,045.00	$124,499 Land $27,155 Building $97,344	$373,497 Land $81,465 Building $292,032

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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 333 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
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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