McLean County property record for 407 S Oak St, Normal, IL 61761 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 712 sqft · built 1949 |
| Lot Size | 0.116 acres (4,982 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,827 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-27-351-013 |
| Primary APN | 14-27-351-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 712 sqft Living Area |
| 1st Floor Area | 712 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 4,982 sqft (0.116 acres) |
| Lot Dimensions | 94 ft deep x 53 ft wide |
| Garage Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 407 S OAK ST |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-3739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUTH K. RYAN RESUB BLK 18-SIXTH ADD LOT 12 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 27 |
| Legal Subdivision | RUTH K. RYAN |
| Legal Block | 18 |
| Legal Lot Number | 12 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 501 |
Source: McLean County records · APN 14-27-351-013
Assessment roll updated April 8, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 18864 OLD PRINCIPAL RD, HEYWORTH, IL 61745-7700 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 01, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF BLOOMINGTON |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Oct 23, 2013 |
| Transfer Doc | 0000027165 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 407 S OAK ST, NORMAL, IL 61761-3739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | FTC |
| Name | Verified Name |
|---|
| Document Number | 202100003599 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 2021-00003599 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 407 S OAK ST, NORMAL, IL 61761-3739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ALLIANCE LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 201800012426 |
|---|---|
| Date | Aug 01, 2018 |
| Instrument | 2018-00012426 |
| Name | FIRST STATE BANK OF BLOOMINGTON |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.37% |
Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $38,008 (+21.89%) Land $10,841 Building $27,167 | $114,024 (+21.89%) Land $32,523 Building $81,501 | |
| 2024 | $2,827.00 (+5.96%) | ||
| 2023 | $2,668.00 | $31,183 Land $8,894 Building $22,289 | $93,549 Land $26,682 Building $66,867 |
Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130005011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 4 in force |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 286 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Pavlov Media | Fiber | 2,000 / 2,000 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Benton Ridge Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.
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