400 Covey Ct, Normal, IL 61761 Property Records

McLean County property record for 400 Covey Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,620 sqft · built 2001
Lot Size	0.185 acres (8,049 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Apr 2019)
Tax Bill	$6,431 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-15-354-007`

Property Details

APN / Parcel Number

Primary APN	`14-15-354-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	1,620 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,049 sqft (0.185 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Garage Area	506 sqft
Porch	Open Frame Porch
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 COVEY CT
City	NORMAL
State	IL
Zip	61761-5615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	LOT 163 PHEASANT RIDGE 4TH ADD
Legal Range	02E
Legal Township	24N
Legal Section	15
Legal Subdivision	PHEASANT RIDGE 4TH ADD
Legal Lot Number	163
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1016
Census Tract	109

Owner

400 Covey Ct is owned and occupied by two individuals who bought it in April 2019.

Source: McLean County records, as of April 8, 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	400 COVEY CT, NORMAL, IL 61761-5615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Apr 11, 2019	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on File
Deed Sale	Apr 11, 2019 · Amount on File
Deed Document Number	20195228
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 COVEY CT, NORMAL, IL 61761-5615
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 COVEY CT, NORMAL, IL 61761-5615

Mortgage

Document Number	202600003330
Date	Mar 5, 2026
Instrument	2026-00003330

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 14, 2022
Property Address	400 COVEY CT, NORMAL, IL 61761-5615
Document Number	202200021785
Map Reference	DOC 99-32562
Instrument Date	Dec 12, 2022
Instrument	2022-00021785
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.50
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	400 COVEY CT, NORMAL, IL 61761-5615

Mortgage

Document Number	202200021786
Date	Dec 14, 2022
Instrument	2022-00021786

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 COVEY CT, NORMAL, IL 61761-5615
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900018062
Date	Oct 31, 2019
Instrument	2019-00018062

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	EL PASO, IL 61738

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 11, 2019
Property Address	400 COVEY CT, NORMAL, IL 61761-5615
Document Number	201900005228
Map Reference	DOC 99-32562
Instrument Date	Mar 15, 2019
Instrument	2019-00005228
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	$285.00
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	400 COVEY CT, NORMAL, IL 61761-5615

Mortgage

Document Number	201900005231
Date	Apr 11, 2019
Instrument	2019-00005231

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

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		$92,996 Land $19,547 Building $73,449	$278,988 Land $58,641 Building $220,347
2024	$6,431.00 (+6.9%)
2023	$6,016.00 (+6.44%)	$76,297 (+10.69%) Land $16,037 Building $60,260	$228,891 (+10.69%) Land $48,111 Building $180,780
2022	$5,652.00	$68,928 Land $14,488 Building $54,440	$206,784 Land $43,464 Building $163,320

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 400 Covey Ct in Zone X, an area of minimal flood risk.

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	2 in force

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

The area around 400 Covey Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Metronet, Pavlov Media, Watch TV.

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