401 Gambel Ct, Normal, IL 61761 Property Records

McLean County property record for 401 Gambel Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,296 sqft · built 2003
Lot Size	0.185 acres (8,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (May 2019)
Tax Bill	$7,851 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-15-354-022`

Property Details

APN / Parcel Number

Primary APN	`14-15-354-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,296 sqft Living Area
1st Floor Area	980 sqft
Basement Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,050 sqft (0.185 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Garage Area	781 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 GAMBEL CT
City	NORMAL
State	IL
Zip	61761-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHEASANT RIDGE SUB 7TH ADD LT 228
Legal Range	02E
Legal Township	24N
Legal Section	15
Legal Subdivision	PHEASANT RIDGE SUB
Legal Lot Number	228
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1016
Census Tract	109

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	2 Individual Names on Record
Mailing Address	401 GAMBEL CT, NORMAL, IL 61761-5636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 3, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC
Jan 20, 2017	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Document Number	20196546
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 3, 2019
Property Address	401 GAMBEL CT, NORMAL, IL 61761-5636
Document Number	201900006546
Map Reference	DOC 2000R23097
Instrument Date	Mar 28, 2019
Instrument	2019-00006546
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.50
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	401 GAMBEL CT, NORMAL, IL 61761-5636
Investor	Possibly a Property Investor

Mortgage

Document Number	201900006547
Date	May 3, 2019
Instrument	2019-00006547

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 20, 2017
Property Address	401 GAMBEL CT, NORMAL, IL 61761-5636
Document Number	201700001315
Map Reference	DOC2000R23097
Instrument Date	Oct 27, 2016
Instrument	2017-00001315
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
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
Address	401 COLD CT, NORMAL, IL 61761

Mortgage

Document Number	201700001316
Date	Jan 20, 2017
Instrument	2017-00001316

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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		$112,089 (+21.89%) Land $19,550 Building $92,539	$336,267 (+21.89%) Land $58,650 Building $277,617
2024	$7,851.00 (+6.71%)
2023	$7,357.00	$91,961 Land $16,040 Building $75,921	$275,883 Land $48,120 Building $227,763

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	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

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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