3551 Napa Ln, Normal, IL 61761 Property Records

McLean County property record for 3551 Napa Ln, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,160 sqft · built 2006
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jul 2026)
Tax Bill	$9,594 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-19-106-002`

Property Details

APN / Parcel Number

Primary APN	`15-19-106-002`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	891 sqft
Porch	Open Frame Porch
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3551 NAPA LN
City	NORMAL
State	IL
Zip	61761-9329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHATEAU ESTATES SUB LOT 5
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	CHATEAU ESTATES
Legal Lot Number	5
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5109
Census Tract	5102

Owner

3551 Napa Ln is owned and occupied by two individuals who bought it in July 2026.

Source: McLean County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3551 NAPA LN, NORMAL, IL 61761-9329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES
Aug 29, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE SERVICES III LLC
Jan 8, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST STATE MORTGAGE SERVICES LLC
Oct 19, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Jun 18, 2024 · Amount on File
Deed Document Number	20269296
Prior Transfer Date	Mar 6, 2025
Prior Transfer Doc	0000004170
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 7, 2026
Property Address	3551 NAPA LN, NORMAL, IL 61761-9329
Document Number	0000009296
Instrument Date	Jun 5, 2026
Instrument	20269296
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FRONTIER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3551 NAPA LN, NORMAL, IL 61761-9329

Mortgage

Document Number	0000009297,
Date	Jul 7, 2026
Instrument	20269297

Lender

Name	FIRST STATE MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3551 NAPA LN, NORMAL, IL 61761-9329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013761
Date	Aug 29, 2019
Instrument	2019-00013761

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution
Address	BLOOMINGTON, IL 61704

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3551 NAPA LN, NORMAL, IL 61761-9329
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100000608
Date	Jan 8, 2021
Instrument	2021-00000608

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 19, 2018
Property Address	3551 NAPA LN, NORMAL, IL 61761-9329
Document Number	201800017314
Map Reference	DOC2006-12044
Instrument Date	Sep 18, 2018
Instrument	2018-00017314
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
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	Tenants by the Entirety
Address	3551 NAPA LN, NORMAL, IL 61761-9329

Mortgage

Document Number	201800017315
Date	Oct 19, 2018
Instrument	2018-00017315

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

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		$135,678 Land $32,498 Building $103,180	$407,034 Land $97,494 Building $309,540
2024	$9,594.00 (+7.16%)
2023	$8,953.00	$111,623 Land $26,736 Building $84,887	$334,869 Land $80,208 Building $254,661

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

FEMA maps place 3551 Napa Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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

Wildfire risk around 3551 Napa Ln is low, with less than a 0.01% annual chance of 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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