McLean County property record for 407 W Summit St, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,700 sqft · built 1964 |
| Lot Size | 0.227 acres (9,879 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 2021) |
| Tax Bill | $5,057 (2024) |
| Deeds & Mortgages | Oct 2023 Line of Credit Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-329-002 |
| Primary APN | 14-21-329-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Basement Area | 816 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Roof Material | Asphalt |
| Lot Area | 9,879 sqft (0.227 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 451 sqft |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 407 W SUMMIT ST |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-1264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | SUMMIT SUB LOT 4 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 21 |
| Legal Subdivision | SUMMIT SUB |
| Legal Lot Number | 4 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 107 |
Source: McLean County records · APN 14-21-329-002
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 | Individual Name on File |
|---|---|
| Mailing Address | 407 W SUMMIT ST, NORMAL, IL 61761-1264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2023 | Deed of Trust, Mortgage · Line of Credit BUSEY BANK |
| Oct 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 01, 2021 | Transfer on Death Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on Record |
| Deed Sale | Oct 13, 2021 · Amount on Record |
| Deed Document Number | 202124732 |
| Prior Transfer Date | Jul 20, 2021 |
| Prior Transfer Doc | 0000018214 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 407 W SUMMIT ST, NORMAL, IL 61761-1264 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300014454 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 2023-00014454 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | Jul 17, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Oct 13, 2021 |
| Property Address | 407 W SUMMIT ST, NORMAL, IL 61761-1264 |
| Document Number | 202100024732 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 2021-00024732 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | WOODFORD COUNTY TITLE COMPANY, WOODFOD COUNTY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 W SUMMIT ST, NORMAL, IL 61761-1264 |
| Document Number | 202100024733 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021-00024733 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Aug 01, 2021 |
| Property Address | 407 W SUMMIT ST, NORMAL, IL 61761-1264 |
| Document Number | 202100018214 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021-00018214 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $74,524 (+21.89%) Land $15,103 Building $59,421 | $223,572 (+21.89%) Land $45,309 Building $178,263 | |
| 2024 | $5,057.00 (+7.16%) | ||
| 2023 | $4,719.00 | $61,142 Land $12,391 Building $48,751 | $183,426 Land $37,173 Building $146,253 |
Source: FEMA National Flood Hazard Layer as of June 27, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Benton Ridge Telephone Company, Pavlov Media.
Based on FCC filings for 204 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORMAL serves 52,736 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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