400 W Willow St, Normal, IL 61761 Property Records

McLean County property record for 400 W Willow St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	9,000 sqft · built 1986
Lot Size	0.591 acres (25,723 sqft)
Owner	Company Name on Record
Last Sale	$600,000 (Jun 2013)
Tax Bill	$22,348 (2024)
Deeds & Mortgages	May 2023 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-28-202-012`

Property Details

APN / Parcel Number

Primary APN	`14-28-202-012`

Interior

Stories	2 Stories
Building Area	9,000 sqft Living Area
1st Floor Area	4,500 sqft
Basement Area	4,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,723 sqft (0.591 acres)
Lot Dimensions	147 ft deep x 175 ft wide
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 W WILLOW ST
City	NORMAL
State	IL
Zip	61761-2465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3A
Legal Description	LOTS 10,11 & 12 NORMAL TOWN SURVEY OF 1898
Legal Range	02E
Legal Township	24N
Legal Section	28
Legal Subdivision	L W CAPEN & COMPANYS
Legal Lot Number	10,11
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3017
Census Tract	107

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1856 SHERIDAN RD, EVANSTON, IL 60201-3837
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST CO
Jul 9, 2018	Quit Claim Deed, Transfer THE NATIONAL BANK OF INDIANAPOLIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2013 · Amount on Record
Deed Sale	Jun 7, 2013 · Amount on Record
Prior Sale	Apr 5, 2011 · Amount on Record
Deed Document Number	201314336
Last Transfer Date	Jun 21, 2018
Transfer Doc	0000010918
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 W WILLOW ST, NORMAL, IL 61761-2465
Transaction Type	Mortgage
Record Updated	May 31, 2023
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300006379
Date	May 19, 2023
Instrument	2023-00006379

Lender

Name	UNION BANK & TRUST CO
Type	Bank
Address	LINCOLN, NE 68506

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	May 16, 2025

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 9, 2018
Property Address	400 W WILLOW ST, NORMAL, IL 61761-2465
Document Number	201800010918
Instrument Date	Jun 21, 2018
Instrument	2018-00010918
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 W SUNSET AVE, DECATUR, IL 62522-2626

Mortgage

Document Number	201800010919
Date	Jul 9, 2018
Instrument	2018-00010919

Lender

Name	THE NATIONAL BANK OF INDIANAPOLIS
Type	Bank
Address	INDIANAPOLIS, IN 46204

Agreement

Amount	Amount Recorded

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		$300,402 (+21.89%) Land $80,792 Building $219,610	$901,206 (+21.89%) Land $242,376 Building $658,830
2024	$22,348.00 (+5.95%)
2023	$21,093.00	$246,459 Land $66,284 Building $180,175	$739,378 Land $198,852 Building $540,526

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	1 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

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 368 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

May also be available: Pavlov Media, Watch TV.

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