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405 W Summit St, Normal, IL 61761 Property Records

McLean County property record for 405 W Summit St, Normal, IL 61761 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1965
Square Footage1,743 sqft Living Area
Lot Size9,879 sqft (0.227 acres)
OccupancyOwner Occupied
Last Sale$235,000 (2023)
Tax Bill$5,940.00 (2024)

Owner

Source: McLean County records · APN 14-21-329-003

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

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

Owner of Record2 Individual Names on File
Mailing Address405 W SUMMIT ST, NORMAL, IL 61761-1264
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 23, 2023Warranty Deed, Transfer · Conventional Mortgage
FIRST STATE MORTGAGE SERVICES LLC
Aug 23, 2021Deed of Trust, Mortgage · Line of Credit
US BANK NA
Aug 23, 2019Deed, Transfer · Conventional Mortgage
US BANK NA
Aug 02, 2018Intrafamily Transfer, Transfer
ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 23, 2023 · Amount on Record
Deed SaleAug 23, 2023 · Amount on Record
Prior SaleAug 23, 2019 · Amount on Record
Deed Doc Number202311149
Prior Transfer DateJul 24, 2018
Prior Transfer Doc0000012560
Record RefreshedSep 20, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCLEAN IL
Recording DateAug 23, 2023
Property Address405 W SUMMIT ST, NORMAL, IL 61761-1264
Document Number202300011149
Map ReferenceDOC 44499 MB 17 PG95
Instrument DateAug 15, 2023
Instrument2023-00011149
Transaction TypeTransfer
Record UpdatedSep 04, 2023
Title CompanyFTC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$235.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address405 W SUMMIT ST, NORMAL, IL 61761-1264

Mortgage

Document Number202300011150
DateAug 23, 2023
Instrument2023-00011150
Lender
NameFIRST STATE MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053
Interest
Rate TypeFixed Rate
Rate6.5%

Mortgage

Document Number202300011151
DateAug 23, 2023
Instrument2023-00011151
Lender
NameILLINOIS HOUSING DEVELOPMENT AUTHORITY
TypeGovernment Agency
AddressCHICAGO, IL 60601
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term61 Months
DueSep 01, 2028

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLEAN IL
Property Address405 W SUMMIT ST, NORMAL, IL 61761-1264
Transaction TypeMortgage
Record UpdatedAug 31, 2021
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 W SUMMIT ST, NORMAL, IL 61761-1264

Mortgage

Document Number202100020418
DateAug 23, 2021
Instrument2021-00020418
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 13, 2051
Interest
Rate TypeAdjustable Rate
Rate5.45%
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

August 2019: Deed, Transfer

Document TypeDeed
JurisdictionMCLEAN IL
Recording DateAug 23, 2019
Property Address405 W SUMMIT ST, NORMAL, IL 61761-1264
Document Number201900013524
Instrument DateAug 08, 2019
Instrument2019-00013524
Transaction TypeTransfer
Record UpdatedFeb 28, 2022
Title CompanyMCLEAN COUNTY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$195.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 W SUMMIT ST, NORMAL, IL 61761-1264

Mortgage

Document Number201900013525
DateAug 23, 2019
Instrument2019-00013525
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049
Interest
Rate3.87%

August 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCLEAN IL
Recording DateAug 02, 2018
Property Address405 W SUMMIT ST, NORMAL, IL 61761-1264
Document Number201800012560
Instrument DateJul 24, 2018
Instrument2018-00012560
Transaction TypeTransfer
Record UpdatedJun 06, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address405 SUMMINT ST, NORMAL, IL 61761

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMcLean County
County SubdivisionNormal Township
MunicipalityNormal Town
Unified School DistrictMcLean 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.

YearTax BillAssessed ValueAssessed Market Value
2025$86,405 (+21.89%) Land $15,061 Building $71,344$259,215 (+21.89%) Land $45,183 Building $214,032
2024$5,940.00 (+6.97%)
2023$5,553.00 (+6.5%)$70,889 (+10.69%) Land $12,357 Building $58,532$212,667 (+10.69%) Land $37,071 Building $175,596
2022$5,214.00$64,043 Land $11,164 Building $52,879$192,129 Land $33,492 Building $158,637

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN14-21-329-003

Interior

Bedrooms3 Beds
Full Baths2 Baths
Partial Baths2 Partial Baths
Total Rooms6 Rooms
Building Area1,743 sqft Living Area
1st Floor1,743 sqft 1st Floor
Basement Area1,743 sqft Basement
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Exterior MaterialBrick Exterior
Roof MaterialAsphalt Roof
Lot Area9,879 sqft (0.227 acres)
Depth X Width125 ft x 80 ft Depth x Width
Garage Area594 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address405 W SUMMIT ST
CityNORMAL
StateIL
Zip61761-1264
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSUMMIT SUB LOT 3
Legal Range02E
Legal Township24N
Legal Section21
Legal SubdivisionSUMMIT SUB
Legal Lot Number3
JurisdictionMCLEAN IL
Minor Civil DivisionNORMAL
Census Blockgroup3
Census Block3002
Census Tract107

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