405 S Grove St, Normal, IL 61761 Property Records

McLean County property record for 405 S Grove St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,344 sqft · built 1972
Lot Size	0.238 acres (10,348 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Jul 2026)
Tax Bill	$4,964 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-404-051`

Property Details

APN / Parcel Number

Primary APN	`14-29-404-051`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,348 sqft (0.238 acres)
Lot Dimensions	185 ft deep x 56 ft wide
Garage Area	624 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 S GROVE ST
City	NORMAL
State	IL
Zip	61761-2837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	1ST ADD KINGSRIGE SUB LOT 10
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	KINGSRIGE SUB
Legal Lot Number	10
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2010
Census Tract	301

Owner

Source: McLean County records, as of July 15, 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 Record
Mailing Address	405 S GROVE ST, NORMAL, IL 61761-2837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Sep 18, 2025	Deed of Trust, Mortgage · Line of Credit MORTON COMMUNITY BANK
Apr 21, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTON COMMUNITY BANK
May 6, 2017	Deed of Trust, Mortgage · ARM STATE FARM BANK FSB
May 29, 2019	Warranty Deed, Transfer · VA Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Apr 21, 2023 · Amount on Record
Deed Document Number	20269127
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 6, 2026
Property Address	405 S GROVE ST, NORMAL, IL 61761-2837
Document Number	0000009127
Instrument Date	Jun 10, 2026
Instrument	20269127
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	ILLINOIS TITLE GROUP LLC, ILLINOIS TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$48,783.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S GROVE ST, NORMAL, IL 61761-2837
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009128,
Date	Jul 6, 2026
Instrument	20269128

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	5.99%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 S GROVE ST, NORMAL, IL 61761-2837
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500013029
Date	Sep 18, 2025
Instrument	2025-00013029

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 20, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 21, 2023
Property Address	405 S GROVE ST, NORMAL, IL 61761-2837
Document Number	202300005060
Map Reference	DOC 1972-00006592
Instrument Date	Apr 6, 2023
Instrument	2023-00005060
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	ILLINOIS TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
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 S GROVE ST, NORMAL, IL 61761-2837

Mortgage

Document Number	202300005061
Date	Apr 21, 2023
Instrument	2023-00005061

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 S GROVE ST, NORMAL, IL 61761-2837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700007684
Date	May 6, 2017
Instrument	2017-00007684

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 29, 2019
Property Address	405 S GROVE ST, NORMAL, IL 61761-2837
Document Number	201900008035
Instrument Date	May 17, 2019
Instrument	2019-00008035
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$220.50
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 S GROVE ST, NORMAL, IL 61761-2837

Mortgage

Document Number	201900008036
Date	May 29, 2019
Instrument	2019-00008036

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$73,276 (+21.88%) Land $10,523 Building $62,753	$219,828 (+21.88%) Land $31,569 Building $188,259
2024	$4,964.00 (+7.19%)
2023	$4,631.00	$60,119 Land $8,634 Building $51,485	$180,357 Land $25,902 Building $154,455

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 Claims	1 (1981)
Most Recent Claim	Jul 1981 · 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

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	None beyond 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 535 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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