3590 Napa Ln, Normal, IL 61761 Property Records

McLean County property record for 3590 Napa Ln, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,435 sqft · built 2006
Lot Size	0.236 acres (10,294 sqft)
Owner	Individual Name on File
Last Sale	$286,500 (Nov 2019)
Tax Bill	$11,214 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-19-101-023`

Property Details

APN / Parcel Number

Primary APN	`15-19-101-023`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,435 sqft Living Area
1st Floor Area	1,435 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	10,294 sqft (0.236 acres)
Garage Type	Attached
Garage Area	805 sqft
Porch	Open Frame Porch
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3590 NAPA LN
City	NORMAL
State	IL
Zip	61761-9346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHATEAU ESTATES SUB LT 11
Legal Range	03E
Legal Township	24N
Legal Section	19
Legal Subdivision	CHATEAU ESTATES
Legal Lot Number	11
Jurisdiction	MCLEAN IL
Township / Civil Division	TOWANDA
Census Block Group	5
Census Block	5107
Census Tract	5102

Owner

3590 Napa Ln is owned and occupied by an individual who bought it in November 2019.

Source: McLean County records, as of April 8, 2026

Owner of Record	Individual Name on File
Mailing Address	3590 NAPA LN, NORMAL, IL 61761-9346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Prior Sale	Mar 21, 2016 · Amount on File
Deed Document Number	201919352
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3590 NAPA LN, NORMAL, IL 61761-9346
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100016631
Date	Jul 14, 2021
Instrument	2021-00016631

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.49%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 21, 2019
Property Address	3590 NAPA LN, NORMAL, IL 61761-9346
Document Number	201900019352
Map Reference	DOC 2006-00012044
Instrument Date	Sep 30, 2019
Instrument	2019-00019352
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.75
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	3590 NAPA LN, NORMAL, IL 61761-9346

Mortgage

Document Number	201900019353
Date	Nov 21, 2019
Instrument	2019-00019353

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$157,492 Land $30,973 Building $126,519	$472,476 Land $92,919 Building $379,557
2024	$11,214.00 (+7.05%)
2023	$10,475.00	$129,570 Land $25,482 Building $104,088	$388,710 Land $76,446 Building $312,264

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 3590 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 3590 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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