McLean County property record for 409 Hovey Ave, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,028 sqft · built 1940 |
| Lot Size | 0.169 acres (7,250 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,191 (2024) |
| Deeds & Mortgages | Feb 2020 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-33-205-011 |
| Primary APN | 14-33-205-011 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,028 sqft Living Area |
| 1st Floor Area | 1,028 sqft |
| Basement Area | 1,028 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 7,250 sqft (0.169 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Garage Area | 234 sqft |
| Porch | Enclosed Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 409 HOVEY AVE |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-3520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | BANES ADD TO NORMAL LOT 5 BLK 2 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 33 |
| Legal Subdivision | BANES ADD |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 400 |
409 Hovey Ave is owned by two individuals who acquired it in July 2025.
Source: McLean County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1804 BLAIN CT, BLOOMINGTON, IL 61701-9184 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS STATE CU |
| Jan 10, 2017 | Deed of Trust, Mortgage ILLINOIS STATE CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 17, 2025 |
| Transfer Doc | 0000010797 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 409 HOVEY AVE, NORMAL, IL 61761-3520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MCLEAN COUNTY TITLE |
| Name | Verified Name |
|---|
| Document Number | 202000003713 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 2020-00003713 |
| Name | ILLINOIS STATE CU |
|---|---|
| Type | Credit Union |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 409 HOVEY AVE, NORMAL, IL 61761-3520 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-00000552 |
|---|---|
| Date | Jan 10, 2017 |
| Instrument | 2017-00000552 |
| Name | ILLINOIS STATE CREDIT UNION |
|---|---|
| Address | NORMAL, IL 61761 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Feb 1, 2027 |
Source: McLean County assessment roll, as of April 8, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $58,619 Land $12,197 Building $46,422 | $175,857 Land $36,591 Building $139,266 | |
| 2024 | $2,191.00 (-5.15%) | ||
| 2023 | $2,310.00 | $48,093 Land $10,007 Building $38,086 | $144,279 Land $30,021 Building $114,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Hovey Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 11 (2003–2021) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Jun 2021 · river or lake flooding |
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 risk around 409 Hovey Ave 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
| Pavlov Media Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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