McLean County property record for 3638 Napa Ln, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 1,322 sqft · built 2017 |
| Lot Size | 0.36 acres (15,681 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (May 2026) |
| Tax Bill | $8,947 (2024) |
| Deeds & Mortgages | May 2021 Mortgage May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-19-101-067 |
| Primary APN | 15-19-101-067 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,322 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,681 sqft (0.36 acres) |
| Street Address | 3638 NAPA LN |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-9570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VINEYARDS SUB 9TH ADD LOT 299 |
| Legal Subdivision | VINEYARDS SUB |
| Legal Lot Number | 299 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | TOWANDA |
| Census Block Group | 5 |
| Census Block | 5107 |
| Census Tract | 5102 |
3638 Napa Ln is owned and occupied by two individuals who bought it in May 2026.
Source: McLean County records, as of August 18, 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 File |
|---|---|
| Mailing Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK |
| May 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES |
| Sep 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC |
| Oct 13, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLANAGAN STATE BANK |
| Oct 13, 2017 | Warranty Deed, Transfer FRONTIER TITLE COMPANY, FRONTIER TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2026 · Amount on File |
| Deed Sale | May 20, 2026 · Amount on File |
| Prior Sale | Sep 29, 2023 · Amount on File |
| Deed Document Number | 20267028 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | FTC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202100011902 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021-00011902 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Address | PAW PAW, IL 61353 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | May 20, 2026 |
| Property Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 202600007028 |
| Instrument Date | May 1, 2026 |
| Instrument | 20267028 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FRONTIER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69,690.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 0000007029, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 20267029 |
| Name | FIRST STATE MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Sep 29, 2023 |
| Property Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 202300013340 |
| Map Reference | DOC 2016-00006993 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023-00013340 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Title Company | ALLIANCE LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 202300013341 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023-00013341 |
| Name | FIRST STATE MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Change Frequency | Monthly |
| Document Number | 202300013342 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023-00013342 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Oct 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Oct 13, 2017 |
| Property Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 201700018533 |
| Map Reference | DOC2016-00006993 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 2017-00018533 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | FRONTIER TITLE COMPANY, FRONTIER TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $509.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Investor | Possibly a Property Investor |
| Document Number | 201700018534 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 2017-00018534 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Oct 13, 2017 |
| Property Address | 3638 NAPA LN, NORMAL, IL 61761-9570 |
| Document Number | 201700018532 |
| Map Reference | DOC2016-00006993 |
| Instrument Date | Sep 27, 2011 |
| Instrument | 2017-00018532 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | FRONTIER TITLE COMPANY, FRONTIER TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $87.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 NORTHCREST CT, BLOOMINGTON, IL 61701-3405 |
Source: McLean County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $126,961 Land $27,563 Building $99,398 | $380,883 Land $82,689 Building $298,194 | |
| 2024 | $8,947.00 (+7.2%) | ||
| 2023 | $8,346.00 (+6.54%) | $104,452 (+10.99%) Land $22,676 Building $81,776 | $313,356 (+10.99%) Land $68,028 Building $245,328 |
| 2022 | $7,834.00 | $94,110 Land $20,431 Building $73,679 | $282,330 Land $61,293 Building $221,037 |
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.
FEMA maps place 3638 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 risk around 3638 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 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 53 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 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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