405 W Raab Rd, Normal, IL 61761 Property Records

McLean County property record for 405 W Raab Rd, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 943 sqft · built 1963
Lot Size	0.154 acres (6,771 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Jun 2026)
Tax Bill	$3,070 (2024)
Deeds & Mortgages	Apr 2013 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-204-003`

Property Details

APN / Parcel Number

Primary APN	`14-21-204-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	943 sqft Living Area
1st Floor Area	943 sqft
Basement Area	943 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,771 sqft (0.154 acres)
Lot Dimensions	111 ft deep x 61 ft wide
Patio Area	271 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 W RAAB RD
City	NORMAL
State	IL
Zip	61761-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	1ST ADD TO COLONIAL HILLS SUB LOT 85
Legal Range	02E
Legal Township	24N
Legal Section	21
Legal Subdivision	COLONIAL HILLS
Legal Lot Number	85
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2000
Census Tract	107

Owner

405 W Raab Rd is owned and occupied by two individuals who bought it in June 2026.

Source: McLean County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 W RAAB RD, NORMAL, IL 61761-1006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2013	Deed of Trust, Mortgage · Conventional Mortgage PRAIRIE STATE BANK & TRUST
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage US HOME MORTGAGE
Mar 29, 2017	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on File
Deed Sale	Jun 3, 2026 · Amount on File
Prior Sale	Mar 29, 2017 · Amount on File
Deed Document Number	20267474
Prior Transfer Date	Nov 29, 2011
Prior Transfer Doc	0000000670
Record Updated	Oct 29, 2026

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 W RAAB RD, NORMAL, IL 61761-1006
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201300011287
Date	Apr 30, 2013
Instrument	2013-00011287

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 W RAAB RD, NORMAL, IL 61761-1006
Transaction Type	Mortgage
Record Updated	Jun 15, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018758
Date	Aug 5, 2021
Instrument	2021-00018758

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 3, 2026
Property Address	405 W RAAB RD, NORMAL, IL 61761-1006
Document Number	0000007474
Instrument Date	May 13, 2026
Instrument	20267474
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Full Amount Stated
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 W RAAB RD, NORMAL, IL 61761-1006

Mortgage

Document Number	0000007475,
Date	Jun 3, 2026
Instrument	20267475

Lender

Name	US HOME MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000007476,
Date	Jun 3, 2026
Instrument	20267476

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 29, 2017
Property Address	405 W RAAB RD, NORMAL, IL 61761-1006
Document Number	201700005485
Instrument Date	Mar 11, 2017
Instrument	2017-00005485
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
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
Address	405 W RAAB RD, NORMAL, IL 61761-1006

Mortgage

Document Number	201700005486
Date	Mar 29, 2017
Instrument	2017-00005486

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 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		$47,817 Land $9,865 Building $37,952	$143,451 Land $29,595 Building $113,856
2024	$3,070.00 (+7.95%)
2023	$2,844.00	$39,231 Land $8,094 Building $31,137	$117,693 Land $24,282 Building $93,411

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 405 W Raab Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 W Raab Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 286 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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