405 Labrador Ln, Normal, IL 61761 Property Records

McLean County property record for 405 Labrador Ln, Normal, IL 61761 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,751 sqft · built 2007
Lot Size	0.19 acres (8,280 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Oct 2022)
Tax Bill	$7,689 (2024)
Deeds & Mortgages	Jul 2023 Construction Loan Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-15-356-023`

Property Details

APN / Parcel Number

Primary APN	`14-15-356-023`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,751 sqft Living Area
1st Floor Area	932 sqft
Basement Area	932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,280 sqft (0.19 acres)
Lot Dimensions	115 ft deep x 72 ft wide
Garage Area	483 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	405 LABRADOR LN
City	NORMAL
State	IL
Zip	61761-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHEASANT RIDGE SUB 9TH ADD LT 327
Legal Subdivision	PHEASANT RIDGE SUB
Legal Lot Number	327
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1016
Census Tract	109

Owner

Source: McLean County records · APN 14-15-356-023

Assessment roll updated April 8, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	405 LABRADOR LN, NORMAL, IL 61761-5611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Oct 05, 2022	Warranty Deed, Transfer ALLIANCE LAND TITLE
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC
Oct 12, 2017	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 06, 2022 · Amount on Record
Deed Sale	Oct 06, 2022 · Amount on Record
Prior Sale	Jul 20, 2021 · Amount on Record
Deed Document Number	202217951
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 LABRADOR LN, NORMAL, IL 61761-5611
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LABRADOR LN, NORMAL, IL 61761-5611

Mortgage

Document Number	202300009885
Date	Jul 27, 2023
Instrument	2023-00009885

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 01, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 05, 2022
Property Address	405 LABRADOR LN, NORMAL, IL 61761-5611
Document Number	202200017951
Map Reference	DOC 2005-24572
Instrument Date	Sep 29, 2022
Instrument	2022-00017951
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$285.00
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	405 LABRADOR LN, NORMAL, IL 61761-5611

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 20, 2021
Property Address	405 LABRADOR LN, NORMAL, IL 61761-5611
Document Number	202100017209
Map Reference	DOC 2005-24572
Instrument Date	Jun 29, 2021
Instrument	2021-00017209
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 LABRADOR LANE, BLOOMINGTON, IL 61704

Mortgage

Document Number	202100017210
Date	Jul 20, 2021
Instrument	2021-00017210

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 12, 2017
Property Address	405 LABRADOR LN, NORMAL, IL 61761-5611
Document Number	201700018439
Map Reference	DOC2005-24572
Instrument Date	Oct 03, 2017
Instrument	2017-00018439
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$340.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	405 LABRADOR LN, NORMAL, IL 61761-5611

Mortgage

Document Number	201700018440
Date	Oct 12, 2017
Instrument	2017-00018440

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Interest

Rate Type	Fixed Rate
Rate	4%
Max Rate At Change	11.1%

Tax Assessment & Valuation

Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$109,908 (+21.89%) Land $23,126 Building $86,782	$329,724 (+21.89%) Land $69,378 Building $260,346
2024	$7,689.00 (+6.75%)
2023	$7,203.00 (+6.27%)	$90,171 (+10.69%) Land $18,973 Building $71,198	$270,513 (+10.69%) Land $56,919 Building $213,594
2022	$6,778.00	$81,463 Land $17,141 Building $64,322	$244,389 Land $51,423 Building $192,966

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130001091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 321 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Frontier, Metronet Holdings, Pavlov Media, Benton Ridge Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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